vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX, I tried to log into my Equifax account to unfreeze my credit report on either XXXX or XXXX. I had no luck, suspected that there was an issue ( perhaps I hadn't made an account? If that were the case, I'm not sure why my account would have been frozen ). I called for support and waited over an hour on hold and never got a response from anything but an automated system that could not understand me ( I'm a native English speaker, it wasn't unclear pronunciation, but rather a system that can not actually respond to verbalized responses ). Today, XX/XX/XXXX, I called in again because I once again was unable to log in on any of these platforms. Customer service agent picked up after 20 minutes on hold, but was evidently not listening to me. Repeatedly she'd ask my a question, I'd respond, and get no response back from her just a lot of background noise or at times complete silence as if her microphone were muted. In these cases I'd eventually get a response but not until I'd said " Hello are you still there? '' This happened at least 3 times and each time she would come back and ask me/tell me the same directive ( to click on the link she'd sent and follow the instructions step by step ). I did this the first time she asked, scanning a photo of my driver 's license on the front and the back as well as taking a selfie for verification purposes. The system was unable to verify me and so the link stopped working. I explained this to her and was given the same directive as if I'd never stated what had just happened. After some XXXX  while I sat in silence waiting for her to acknowledge me, I was able to find something that suggested maybe it was browser issue. So I took the suggestion to use XXXX and to instead click on the create an account option. This worked and I was finally able to create an account ( again, I already had one, cause I froze my report previously so I'm not sure why this worked ). I thawed my report temporarily and signed out. It dawned on me that while I was in there I should have looked at my credit score. I went back to XXXX, clicked on Sign In, entered the information which I'd saved to my computer to prevent my own misremembering of the username and password, and received the same error messages as before " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' This is merely a minute after I'd been logged in and fine on the site. I do not understand how my ability to buy a home or get a credit card is left up to a company that can not help me access my account. What if something were wrong with my credit score? How long would that be? This is not just unacceptable customer service, it's a major problem that seems to be ongoing for many people ( a quick XXXX  search revealed that ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

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 explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
I requested information via email through dispute. I first contacted experien, then I contacted XXXX XXXX XXXX both by email and phone I have requested the other party provide the necessary information regarding I claimed a late/delinquent payment I also requested the original documents of my signature. I never approved for XXXX XXXX XXXX  to even have my information. I have a credit freeze in place on experien and they have violated my trust and a breach of contract by allowing my information freely and incorrectly.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have an account with regions bank. 
I have a XXXX bonus check in the amount of XXXX. 
i called and asked customer service friday the XXXX of XXXX when the funds would be available. The customer service rep informed me that the funds would be available the next day the XXXX. the money was not there the next day. as a matter of fact they put a hold on the check until the day before XXXX XXXX  the XXXX. i called and spoke with customer service and they basically said they couldnt help. 
sorry you were miss informed. i want them to pay damages i asked them to cancel the deposit- they said no i asked them if i could bring the check to a branch and redo the deposit ther- they said no they we completely unwilling to help. and now my family is having to pay for it. 


this is the money that i need to pay for presents for my kids for XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This is not my debt, I did not sign or co-sign for anyone to use my information. My identity was stolen in 2020 in which I was aware until it hit my credit and I had to prove who I was and where I lived during that period of that account was obtained. I asked company to sent me a fraud packet to fill out and never received it. I do no have an account number to reference this debt. 

I have enclosed the cover page of an identity theft affidavit that was sent from an energy company where my information was falsely used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN 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 explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  ACC. NO. XXXX XXXX XXXX XXXX XXXX To : Equifax, XXXX, XXXX, CFPB, and XXXX  Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX  ). Despite my two previous disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ), and the credit reporting agencies ( Equifax, XXXX, and XXXX ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). Key Points of My Dispute 1. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/year>. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered at all. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to inform you that my bankruptcy case has been discharged, and I am no longer liable for debts included in the filing. My attorney has advised that I send a copy of the discharge papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
RE : Complaint about ( SPS ) Select Portfolio Servicing Property : XXXX XXXX XXXX XXXX XXXX XXXX Enclosed Attachments : Supporting Complaint Documents and Proof This complaint refers to the Closing of my property at XXXX XXXX XXXX XXXX XXXX XXXX which occurred on XX/XX/year>. I was given a XXXX XXXX in the amount of {$140000.00} on XX/XX/year> ( see attached ). This Payoff was until XX/XX/year>. 

I Closed on the property on XX/XX/year>, which was well within the time frame of the XXXX XXXX. XXXX ( XXXX ) checks were sent to Select Portfolio Servicing, XXXX, ( SPS ) heretofore referred to as ( SPS ), from the Closing Attorney and The XXXX XXXX XXXX and the total Payoff figure was {$140000.00}. Sometime after the Closing, I received a call from ( SPS ) stating that I owed them and additional {$800.00}. I then received another call from ( SPS ) stating that I owe over {$2000.00}. Both times I told them they would have to deal with my attorney. I called my attorney on both occasions and told him what had happened and asked him to call ( SPS ). My lawyer told me he had tried to call ( SPS ) and could not get through to them. I then called ( SPS ) and they told me on XX/XX/year>, to have my attorney call them and they would escalate the matter to the top management. During this call I was told that the matter had been turned over to an attorney, to the attorney named XXXX XXXX XXXX the next day. On XX/XX/year>, my attorney called me to say that ( SPS ) would not speak to them without my permission. He then made another call with me on the phone. This time we were told, my attorney had to fax in something with my signature giving him permission to talk for me. This was done ( see attached ) and we called again on XX/XX/year>. During this conversation, we were told that a new Closing XXXX had been issued on XX/XX/year>, 5 days after the original Closing took place. At no time when ( SPS ) was telling me that I owed {$800.00} plus, and then {$2000.00} plus ( see attached The Checks of {$140000.00} which were returned to me some time after these XXXX conversations ) did they tell me that a new Closing Statement had been done on XX/XX/year>. The first time I heard about this was during the conversation on XX/XX/year>, that a new Closing XXXX had been made on XX/XX/year>. ( XXXX XXXX XXXX is Attached ). I left the matter for my attorney to handle with the XXXX XXXX. 

I had another call from ( SPS ) on Thursday XX/XX/year>. I told the person who called me that they would have to speak to my attorney, that I had legitimately closed on XX/XX/year>, and I no longer wanted to deal with the matter. I was told the matter was now in the hands of an attorney ( see attached letter ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation