vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: AL

Complaint narrative:
My accounts 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 to be removed/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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX  in XXXX IL. I brought the car back because it was smoking. As soon as I got out of the car with my XXXX year old son the car blew up in flames. This has caused me a world of trauma. The car company has since placed a {$10000.00} collection on my credit which I want removed. This was not my fault that this company sold me a faulty car. I have tried to get this removed from my credit by filing a dispute with the credit bureaus and nothing has happened. I need assistance with this matter. I have not been able to get this account removed. I am going to seek an attorney to file a law suit. I wanted to try this method first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My credit card issuer illegally and/or incompliantly allowed an unauthorized and unknown person to change the only mailing address I had on their records to an unauthorized mailing address of a fraudster without my authorization nor knowledge. An obvious breach of ethics and illegal under the Fair Credit and Reporting Act of 1960. When I contacted this credit card organization, they canceled the account number they had on record and opened a new account number and apparently mailed that new card on to the attention of the unauthorized person who illegally had my mailing address changed to where they were living. This unauthorized person then made charges that were added to this new account amounting to over {$9400.00}.

I understand that a fraudster can obtain my Social Security Number due to the recent hack on the Governments websites but that does not explain how this fraudster got a hold of my account information from this credit card company. Something just doesn't look right!

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The Syncb/ppc was written off and has a XXXX balance. When I tried to pay it they said there was nothing to pay. However, it is still showing as a balance when this is not the case.

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 2024-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX, {$29000.00} Equifax : account number XXXX, {$11000.00} XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX by Equifax Account # XXXX High Balance:XXXX Last Verified : Date of Last Activity : XX/XX/XXXX Date Reported:XXXX  Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Merchandise was taken back by credit grantor, there may be a balance due Unpaid balance reported as a loss by the credit grantor. Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account # XXXX High Balance : {$11000.00} Last Verified : Date of Last Activity : XX/XX/XXXX Date ReportedXXXX Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account Auto Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX  XXXX XXXX : -- XXXX XXXX XXXX XXXX : -- XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Equifax XXXX : XXXX XXXX : XXXX XXXX : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! b. EXAMPLE : XXXX : {$0.00} XXXX : {$29000.00} EQUIFAX : {$11000.00} As you can see anything match on this account please verified accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
This inaccurate public record information is reporting on my credit report. I have no knowledge about this so please check the documents that I've sent.

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 2024-10-29 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: GA

Complaint narrative:
To whom it may concern I am writing in regrads to late payments on my credit report.

According to the FCRA 15 U.S.C. code 1666b-Timimg of payments and 15 U.S.C.

1666B12 CFR,1026. 13- Billing error-late payments 15 U.S.C.1681 a ( 2 ) ( I ) INSTRUCTIONS PLEASE UPDATE TOO NEVER LATE. Please send updated report to address on file. 

I have attached all documents to support this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Subject : Formal Inquiry Regarding Credit Card Application Denials Dear Sir/Madam, I am writing to formally express my concerns regarding the repeated denials of my applications for a Citibank credit card. I have applied several times over the past [ XX/XX/year> to XX/XX/year>, but unfortunately, I have been denied each time without clear, actionable reasons. 

According to 12 CFR Part 1002 ( Regulation B ) of the Equal Credit Opportunity Act ( ECOA ), it is unlawful for a creditor to deny credit based on discriminatory practices or without providing a specific reason for the denial. As a consumer, I am entitled to a fair opportunity to obtain credit and expect transparency regarding any decisions affecting my application.

I respectfully request the following : 1. A detailed explanation of the reasons for my application denials. 2. Clarification of any adverse information affecting my creditworthiness, so I may take appropriate steps to address it.

3. Reconsideration of my application, should there have been any errors or oversights during the review process. 

Please treat this as a formal inquiry under ECOA. If my applications were denied based on incorrect or incomplete information, I ask that you promptly correct your records and reassess my eligibility. 

I look forward to your prompt response within 30 days, as required under federal law. Should I not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursuing further action to ensure compliance with the law. 

Thank you for your attention to this matter. I trust that Citibank will handle my inquiry with the professionalism and fairness it is known for. 

Sincerely, 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
Consumer complaint received 2024-10-29 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: CO

Complaint narrative:
This XXXX XXXX on my credit amout is wrong this stared in XXXX  was removed. Now it back. I asked for copy of a XXXX XXXX that states I am that far behind. Court orders and more no one wants it to me. There is an open investigation on this department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CO

Complaint narrative:
This XXXX XXXX on my credit amout is wrong this stared in XXXX  was removed. Now it back. I asked for copy of a XXXX XXXX that states I am that far behind. Court orders and more no one wants it to me. There is an open investigation on this department

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 2024-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Received Trial Modification XXXX XXXXXXXX XXXX with mortgage assistance terms. 
Requested documents to be signed by for my mortgage company was signed XXXX back to lender XXXX XXXX, XXXX 

Foreclosure letter from foreclosure attorney was received dated XXXX XXXX for sale of my house. XXXX XXXX, XXXX I was told by customer service my mortgage company foreclosure date would be canceled but is has not been canceled. 

Received XXXX set of documents from my mortgage servicer XXXX XXXX that have been signed, XXXX back to my mortgage company.

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 2024-10-29 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: WI

Complaint narrative:
After I reviewed my consumers report, I noticed that there were XXXX accounts listed that do not belong to me. Here are the accounts below XXXX XXXX XXXX Bal- {$7900.00} Opened XX/XX/XXXX XXXX  XXXX Bal- {$3800.00} Opened- 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 2024-10-29 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-29 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: TX

Complaint narrative:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. How can you it was verified? I am telling you that these BANKRUPTCIES are not mine! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Dear Collections and Consumer Relations Department, This affidavit request pertains to the recent verification by Early Warning Services , LLC, regarding an alleged debt with XXXX XXXX XXXX XXXX under my name, XXXX XXXX XXXX XXXX I am formally requesting that you provide, within fifteen ( 15 ) days, the specific details and evidence supporting your verification of this debt, including a description of the procedures used to determine the accuracy and completeness of the information provided by XXXX XXXX XXXX XXXX XXXX 

Please address the following items as part of your response : Verification Methodology : A detailed account of the verification process you employed to verify the debt with XXXX XXXX XXXX XXXX, including any methods or tools used. 

Evidence and Documentation : Copies of any documents or records used to verify the alleged debt, including but not limited to : Any contract or agreement that includes my signature, confirming my legal obligation to this alleged debt. 

Communications or documentation provided by XXXX XXXX XXXX XXXX that substantiate the claim. 

Contact Details : The full names, addresses, and contact numbers of the representatives at XXXX XXXX XXXX XXXX who were involved in the verification process for this account. 

Please be advised that in the absence of proper documentation or failure to comply with federal regulations, I will take further action as allowed under the Fair Credit Reporting Act ( FCRA ). 

I am also prepared to pursue this matter legally, should you fail to provide the requested information in a timely and satisfactory manner. 

This affidavit serves as my final request for documented proof of any legitimate debt. I maintain a careful record of my communications with Early Warning Services , LLC, and may file a formal complaint with the FTC, CFPB, and the state Attorney Generals office if necessary. 

Thank you for your attention to this matter. I look forward to your prompt and thorough response, including the requested documentation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), only a verification was provided, without sufficient proof that this account belongs to me. As I am a XXXX, it is crucial that I receive physical evidence linking this account to me to ensure accuracy. 

Below are the details of the account in question : Account Information : XXXX XXXX  XXXX Account Number : XXXX ( TransUnion ), XXXX ( XXXX ) Credit Bureaus : TransUnion, XXXX, XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$1000.00} Credit Limit : {$700.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Charged off as bad debt Canceled by credit grantor Account closed due to inactivity Unpaid balance reported as a loss by the credit grantor Please provide the following validation : A copy of the original signed agreement or contract. 
Any supporting documentation linking me to this account beyond the listed details. 
If the creditor or reporting agency can not provide this documentation, I request immediate removal of this account from my credit report. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Please respond promptly with either the requested validation or confirmation of the account 's removal from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-10-29 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NJ

Complaint narrative:
uPON ME REVIEWING MY CREDIT REPORT I DISCVORED CREDIT CARD ACCOUNTS YHAY ARE APPEARING ON MY CREDIT 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 2024-10-29 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:
uPON ME REVIEWING MY CREDIT REPORT I DISCVORED CREDIT CARD ACCOUNTS YHAY ARE APPEARING ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation