vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I fell behind on car note due to XXXX  and deaths in my family. Had to put a new engine in the vehicle as well. So I've been playing catch up. I had just paid {$840.00} on XX/XX/XXXX to bring down amount of days behind and catch up on car note. I forgot to set a payment arrangement and received a repossesion notice on Friday the XXXX of XX/XX/XXXX. Tried calling over and over could not reach anyone even though the web page for XXXX XXXX says they are open until XXXX XXXX  on that day and until XXXX XXXX on the XXXX that Saturday. Today is XX/XX/XXXX the following Monday. I call in trying to make a payment. First rep states can't do anything unless {$3500.00} is paid or settle at {$25000.00}. Second rep XXXX states that the repossesion state can be changed but it's not company policy, that they can accept {$2500.00} today then the remaining {$900.00} and change in XXXXen days and that the {$25000.00} is feasible for settlement. I request another higher up. Third representative XXXX of security operations proceeds to deny any prior statements made by her lower team members and states unless XXXX, not even including the fees theyve placed on me, is paid they can not do anything and even though I just made a full payment of {$840.00} the XXXX of XXXX my account was setup for repossesion on the XXXX of XXXX. These people have scammed me out of an extra payment didn't tell me I was in repossession until the XXXX of XXXX and then will not work with me so I can keep my vehicle. The practices of this company are vile and they take advantage of any fault they can to put you into more debt. I got the car in XXXX of XXXX and my payoff is XX/XX/XXXX. At halfway through the loan they could give no reconciliation to help me even though I'm offering to pay now and another full {$840.00} payment by the XXXX of XXXX. I'm tired of companies like this. Something has to be done to stop them from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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 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 months that are reported late 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 XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America ( credit card ) I live in XXXX. 

In early XXXX of this year, I contacted Bank of America, since I was not going to be able to pay the minimum payments on my credit card, since I am unemployed and to see what options they would give me, since I did not want to fall into default for the first time. At that moment I was attended by XXXX XXXX from the placement department and he told me that I should contact the debt consolidation agencies, he transferred the call to XXXX XXXX where I was attended by XXXX XXXX, who evaluated my case and told me that I would be paying a monthly payment of {$100.00}. At that moment I had a family member who could help me with that amount. However, days later, the person who could help me with the payment told me that she could not, so on XX/XX/XXXX I contacted the other XXXX agency ( XXXX attended me ), to verify what amount I would have to pay with them, but it was a higher amount. 
After this, I contacted XXXX XXXX again, to explain that I could no longer afford to pay the {$100.00} a month, and asked them what other option I had, they told me to contact the bank and ask them to evaluate the possibility of suspending the minimum payment on my card for at least 3 months. I did that, but the bank 's answer was no, since the system only showed the option of debt consolidation in my case. ( answer given by XXXX XXXX ) on XX/XX/XXXX. 

I don't want to fall into arrears, but it is really out of my hands and I am already due for the minimum payment on XX/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 explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint against Calvary Portfolio Services for their unlawful actions regarding my consumer reports with XXXX, XXXX and XXXX and their violation of federal laws. The details of my complaint are as follows : Unlawful Reporting of Alleged Debt : Calvary Portfolio Services unlawfully reported an alleged debt onto my consumer reports with XXXX, XXXX, and XXXX. Under the New Rule REGULATION F, which took effect on XX/XX/XXXX, Calvary Portfolio Services has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 

Violation of Cease-and-Desist Notice : On or about XX/XX/XXXX, Calvary Portfolio Services received a cease-and-desist notice from me instructing them to immediately halt all communication regarding the subject matter. This notice explicitly outlined the only three permissible ways for them to communicate with me regarding this purported debt according to federal law. Despite this, Calvary Portfolio Services sent me a direct notice dated XX/XX/XXXX, which states : Dear XXXX XXXX XXXX XXXX Cavalry is in receipt of a letter of dispute on the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ) and in acknowledgment of the dispute, we have requested that consumer reporting agencies report the account as disputed. This notice is being provided solely for the purpose of responding to the dispute. This is a clear direct violation of 15 USC 1692c ( c ) Ceasing communication! 

Violation of FCRA Section 623 ( a ) ( 7 ) : Calvary Portfolio Services violated my rights under Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681s-2 ( a ) ( 7 ). Specifically, this section mandates that a financial institution must provide a notice to the consumer when it furnishes negative information to a consumer reporting agency. To date, I have not received any such notice from Calvary Portfolio Services Who is acting on behalf of XXXX, regarding the negative information they have furnished about me to the consumer reporting agencies. This failure to provide the required notice constitutes a clear violation of the FCRA. 

I request that the CFPB take immediate action to address these violations and hold Calvary Portfolio Services accountable for their unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: MD

Complaint narrative:
In early XXXX, XXXX, I received a letter from General Revenue. That letter gave me until XX/XX/year> to request verification. I must add that I received this letter subsequent to a phone call with one of their representatives, XXXX XXXX, who made a XXXX statement to me. On XX/XX/year>, I made a verification request on their website and I also faxed them a letter to that same end. 

Today, XX/XX/year>, I opened a letter designed to harass me. The letter, dated XX/XX/year>, says that General Revenue recently spoke to me to establish a payment arrangement and mailed me a form to set up such payments. That is patently false. I NEVER spoke to General Revenue about anything and they NEVER sent me any forms at all. It is my understanding, supported by their own correspondence that they can not pursue collection activities for 30 days following my verification request. This letter is dated XX/XX/year>. Even if, as they suggested during a phone call, that the system randomly generated this letter, they should have waited 30 days to send it. 

This is a prima facie case of harassment and should be dealt with as such. At a bare minimum, I want and expect an apology from General Revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 2024-07-22 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: I.C. System, Inc.
State: OH

Complaint narrative:
Someone fraudulently used my information to open a account with XXXX XXXX that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired on XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired XXXX XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/year>, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year> & XXXX XXXX XXXX XXXX XXXX XX/XX/year> 2023

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 2024-07-22 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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, inducing considerable stress and anxiety. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.

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 2024-07-22 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Inquired on XX/XX/2023, XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX Inquired on XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX Inquired XXXX XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX  Inquired on XX/XX/2023, XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 & XXXX XXXX XXXX XXXX XXXX XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have tried contacting Lexis Nexis for 4 days to unfreeze my credit score and the number provided has you on hold for hours at a time. Then when someone picks up, nothing is said and the line disconnected. Which causes me to start the process again at no avail. 
Furthermore, there is not an option online to remove the freeze. I'm completing a refinance process and needed unfrozen for 60 days. However, their is no clear path to do this and I'm now on jepordy of losing my interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase was in compliance with its own policies and procedures ; ( v ) whether Chase owed duties to myself, what the scope of those duties was, and whether Chase did not uphold those duties ; ( vi ) whether Chases conduct was unfair ; and ( vii ) whether Chase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
My account with XXXX XXXX XXXX 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 those account 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 XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation