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 a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank send the money to people to people I dont know

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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: 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Being sued by midland credit.this company bought the debt from XXXX XXXX in the amount of XXXX. Count XXXX XXXX, count XXXX XXXX XXXX  XXXX count XXXX XXXX  XXXX  XXXX. I requested a debt valuation from them that they own the right to these accounts. I had not entered an agreement with them. also asking for a 1099c from the original credit card issuer and all payment and buying history with these original credit card issuers.also to see if any insurance claims have been made on these accounts with original credit card issuers. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I began an assumption process in XXXX of 2024 with NewRez. I was assigned a loan XXXX at the end of XXXX. He requested I fill out an assumption packet that I had previously submitted with NewRez. He refiled my paperwork, leaving off my per diem jobs and only including my full time position and child support payments. I informed the company I had a deadline of XXXX XXXX 2024 and requested documentation to file an extension with the court to which they did not provide. I provided all requested documentation with 1 business day as needed. I received an email at the end of XXXX that I was conditionally approved and my loan was in underwriting. On XX/XX/XXXX, I was informed that I needed 6 months proof of child support payments ( pushing me to end of XXXX past deadline ). I asked if I could pay of my car loan to decrease debt to income ratio and have this processed faster. My ex husband filed a motion with the court after I passed the XX/XX/XXXX deadline to force the sale of the home. I was told twice that I only needed " X/Y '' documents to proceed, to which I was requested additional documentation including a quit claim deed that had to be notarized and signed by my ex husband and confirmation that I gave him the equity check. ( both provided ). I had to spend over {$8000.00} of mine and his lawyer fees to extend until XX/XX/XXXX 2024. NewRez told me that it would be an estimated 2 weeks to close after providing the quit claim deed that was submitted on XX/XX/XXXX. I have been requesting updates from my loan XXXX via email with no response. I spoke to him ( XXXX ) on XX/XX/XXXX to which he said " it's processed in the order it's received after approval '' when I asked about providing documentation of said approval he said he emailed it to my lawyer and I ( never received. XXXX was unable to provide requested contact information for an assumption team supervisor and the main customer service line states they can't help because they are a separate team. The main assumption team email has not responded to my request for documentation of an approval letter and estimated closing date. The sale of my home will be forced if not closed by XX/XX/XXXX24.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with EQUIFAX 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 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 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally address issues with my account referenced above and to dispute the reporting of negative information to my credit file, specifically late payments and/or a charge-off. 

After the closure of this account, I stopped receiving any communication from Truist, including statements, notifications of the balance owed, minimum payment amounts, or due dates. I did not receive any phone calls, emails, or other forms of contact informing me of my obligation or how to fulfill it. 

This lack of communication has caused significant confusion and made it impossible for me to meet my obligations or resolve the account balance. As the creditor, Truist is required under the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ) to provide periodic statements for open-end credit accounts with a balance unless the account is charged off or qualifies under specific exceptions. The failure to send me statements or otherwise notify me of the balance owed and payment obligations directly interferes with my ability to maintain the account in good standing.

Additionally, under Regulation Z, 12 C.F.R. 1026.5 ( b ), creditors are required to provide periodic statements that include the amount owed, payment due dates, and other essential account information for accounts with balances. Courts have upheld that creditors must comply with these obligations regardless of any cease-and-desist communication, as these statements are necessary for the consumer to understand and address their obligations. 

For example, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX XXXX. XX/XX/year> ), the court emphasized the importance of creditors providing consumers with timely and accurate information about their accounts to avoid undue harm. Similarly, Regulation Z Commentary has clarified that the requirement to send periodic statements continues unless the account qualifies for a legal exception, such as being discharged in bankruptcy or converted to a fixed-term loan.

By failing to communicate my balance and payment obligations after closing my account, Truist prevented me from addressing the debt and resolving the account, resulting in inaccurate and unfair reporting of late payments and/or a charge-off. This reporting unfairly penalizes me for circumstances outside of my control, and the absence of statements prevented me from knowing the balance or minimum payments to avoid delinquency.

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: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
Have tried to opt out/freeze consumer data with all of these second and third party consumer reporting companies dating back to XXXX XX/XX/year> to present, but nothing has been resolved, these companies have been selling my data without my consent and I have already told them to stop, but they continue to sale my data to the three major reporting credit bureaus without my consent and this data has been incorrect on my three credit reports since XXXX XX/XX/year> to present, these data consumer companies will be listed on the second part of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a purchase in XXXX for XXXX for XXXX monitors I got charged by XXXX. I returned all XXXX items and received a refund. 

XX/XX/XXXX i get a charge of {$1500.00} I reached out to XXXX ( spent over XXXX ) via chat, phone, filed claim forms, emailed and they show no record of this charge. They went through the transaction and couldn't pull up this charge in XXXX. 

I called TD Bank which is the card company and opened a dispute. They came back claiming that this is a chargeback related to the inital XXXX order and there is nothing they can do. Even though i sent proof of the returns, told them XXXX has no record of this charge. I was advised that they can't even reach out to XXXX to find out what the story is since its related to XXXX charge. 

Back in summer i had opened a dispute on this charge as one monitor tracked return received and XXXX was dragging out crediting me for it - in the end they issued the refund so the case was closed. so somehow because of that they say their system doesn't let them reach out. Even thoguh i said its not related this is a charge XXXX has no record of and its coming out of nowhere. i was told i have to take it up with XXXX. 

I will attach invoices and proof of the return of the items so you can see those- if you need both bank statements showing both charges you can ask. 

I don't understand how a bank or visa can allow a company to do chargebacks so many months later and if they can i should be able to dispute like in case above. here its not even a chargeback its XXXX saying they have no record of it and TD sa ; ying its linked to initial charge so i am caught between a wall and hard rock and out of {$1500.00} I just called XXXX again showed them both bank statements of XXXX and XXXX and they noticed that transaction numbers are the same and every time they initiate a chargeback it would be a new transaction number and say its a bank issue that they recharged cause as far as they concerned they charged in XXXX and issued a refund when got return they have no record of this going through twice.

Company response to consumer: Closed with 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX  I submitted a request to remove an address that I no longer have access to and an employer that I no longer are employed with. I recently pulled my credit report both XXXX and Experian are currently reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was using my credit card to get service done on my car at a dealership. I was NOT using Paypal ... just using my credit card ( card present ) like normal ( althought the card I used was also linked in my Paypal account ). The card was declined and I received an email shortly after that Paypal thought it might be a fraudulent transaction and declined it. But I was NOT using Paypal. How did Paypal see my transaction and have the ability to decline it? I rely on my credit card company to protect me from fraud. I don't expect Paypal to be spying on my transactions and making decisions like this with their subpar fraud defenses that have too many false positives. This caused me inconvenience, confusion, and I didn't get the rewards on my transaction.

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 did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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