vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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:
My account with XXXX was never late! I have had exceptional payment history witH 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 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 60 days 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 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 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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-15 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: CA

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-15 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: CL Holdings LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
Someone opened a credit card in my name in XXXX ( I live in XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) There is a balance they want me to pay I have disputed this account 3 times and they keep denying claims I had no knoweldge of this account until it showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Resurgence Subject : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with account number # XXXX. According to my understanding of the law, I believe that this debt may have been collected or attempted to be collected by extortionate means, as outlined in 18 U.S. Code 894.

As per the statute, it is illegal to use extortionate means to collect or attempt to collect any extension of credit. I request that you provide evidence verifying the legitimacy of this debt and the collection methods employed. Specifically, I would like to know : 1. The original creditors information.

2. Details of the alleged debt, including the amount owed.

3. Any documentation proving that the debt was not collected through extortionate means.

Please cease all collection activities related to this account until you have verified the debts validity. Failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to receiving the requested information within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: MA

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Equifax XXXX XXXX XXXX - {$2300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX {$1300.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$280.00} Account number - XXXX Dated Opened - XX/XX/XXXX XXXX XXXX  Amount - {$6000.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX Amount - {$14000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$720.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$180.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX Amount - {$19000.00} Account number - XXXX Date Opened - XX/XX/XXXX XXXX Amount - {$200.00} Account Number - XXXX Date Opened - XX/XX/XXXX XXXX XXXX XXXX XXXX  Amount - {$700.00} Account number - XXXX Date Opened XXXX XX/XX/XXXX XXXX  Amount - {$340.00} Account Number - XXXX Date Opened- XX/XX/XXXX XXXX  Amount - {$730.00} Account Number - XXXX Date Opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I have late payments that they will not remove and according to 15 Usc 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' ( b ) it is a billing error, i did not receive a statement 21 days before the late payment. 
this is unlawful and shouldnt be reporting at any time! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I have late payments that they will not remove and according to 15 Usc 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' ( b ) it is a billing error, i did not receive a statement 21 days before the late payment. 
this is unlawful and shouldnt be reporting at any time! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
In XXXX of XXXX received a scholarship award from my XXXX  school the XXXX XXXX XXXX XXXX in the amount of {$25000.00} to be disbursed in three parts ( {$8300.00} ) over the period of three years. My XXXX  school paid the first two parts with no problem in XXXX of XXXX and XXXX. However, my XXXX  school then wrote a check for the third and final disbursement of {$8300.00} on XX/XX/XXXX and it has yet to be credited to my account after almost a year. MOHELA cashed the check, but never credited the money toward my loans. I have been on the phone with MOHELA for XXXX hours in order to resolve this issue and nothing has been done. After speaking with a supervisor from MOHELA the issue appeared to be based on the fact that my XXXX  school ( XXXX XXXX XXXX XXXX XXXX ) did not put my account number on the check. I rectified this issue almost right away ( in XXXX of XXXX ) by faxing over a document to MOHELA which contained the correct account number. I have also contacted my XXXX  school numerous times and they have been of no help. They stated since the check has been cashed, there is nothing they can do. I have scheduled times to speak with a supervisor over at MOHELA and while they have escalated the issue nothing happened. Furthermore, as of XXXX of XXXX MOHELA is no longer my loan service provider and now XXXX has taken over. So now why I attempt to call MOHELA, they will not help me any further since I no longer have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My bank made a payment on my behalf and Citi Bank has not posted the payment. The customer service representative stated that the payment had not been received, when payment was signed for upon delivery by an associate.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened the Chase XXXX XXXX credit card in XX/XX/XXXX. I did not have a XXXX XXXX XXXX account at the time, but I was still collecting XXXX points noted in my monthly credit card statements. In XX/XX/XXXX, I had called Chase to transfer my XXXX points to my newly opened XXXX XXXX account. Since then, I have asked Chase and XXXX XXXX at least 5 times now to transfer the XXXX points from my monthly statements to my XXXX XXXX account. Chase confirmed that I had accumulated XXXX XXXX points through XX/XX/XXXX and had sent a letter in the mail confirming that they would transfer the points to my XXXX XXXX account. However, the only XXXX points listed in my XXXX XXXX account is XXXX ( points accumulated XXXX XXXX ). I have now accumulated XXXX XXXX points from XX/XX/XXXX through XX/XX/XXXX. I called Chase today informing that they have yet to update my Avios points despite the many escalations they claimed to request for this ongoing issue, and I had informed them that I am filing this complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
MOHELA misapplied my XXXX student loan payment. I have XXXX direct loans that are serviced by MOHELA. My payment for XXXX was withdrawn from my account in the correct total amount, but MOHELA only applied the payment to XXXX of the XXXX loans. The other XXXX loans are showing a {$0.00} payment for XXXX while the XXXX loans that did get credited a payment are paid ahead until XXXX. This is negatively affecting me as a borrower as it appears that I did not make any payment on XXXX of my loans when, in reality, I did. Moreover, it affects my qualifying payment counts for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-15 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have a late payment on my report from XXXX of XXXX In XXXX of XXXX I was forced to move out of my apartment because my neighbors unit caught on fire. I moved and set up a forwarding address but mail didnt start to arrive at the new address until late XXXX and by the time I received my statement it had already been over 30 days late. I demand late payment removed/updated. 15 U.S Code 1666b. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I checked my credit report and I had a collections from Transworld System. I got no notice before it was put on my credit score. No written notice or communication. I dont even know what they are collecting debt for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXX of XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Bank Account has ben frozen over XXXX  years with no resolution they are just holding my funds and not telling me why no sending out letters that they say will give me info as to why my account is frozen have spoken to branch manager customer service with no resolution

Company response to consumer: Closed with monetary relief