vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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:
My account with those creditors 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.

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 2024-08-19 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:
My account with those creditors 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.

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 2024-08-19 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 non-monetary relief
Consumer complaint received 2024-08-19 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
{$20000.00} was deposited into my account in 4 four transactions to repay a loan to me. The money was in the account on XX/XX/scrub> 2024 and on the XXXX I had no access to the account. I called TD bank and was told that the account was demarketed. They would not tell me what happened or how to get my money back. The money was a legitimate loan repayment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL LL is reporting 3 debts with INCORRECT information to all credit reporting agencies. I have to resolve and they refuse to report correct information. I do not even know who the Creditors are, as they may NOT be my debts. I want the following debts REMOVED from my Credit Report IMMEDIATELY :. I have NEVER opened any accounts with Jefferson Capital. They are NOT an Original Creditor. JEFFERSON CAPITAL has INTENTIONALLY and MALACIOUSLY reported incorrect information.

1 ) Open balance {$810.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Individual previously disputed account Original creditor name JEFFERSON CAPITAL LL 2 ) Open balance {$990.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 3 ) Open balance {$18000.00} Original creditor JEFFERSON CAPITAL LL Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 4 ) Open balance {$1300.00} Original creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account inforrmation Original creditor name JEFFERSON CAPITAL LL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FCC Finance, LLC
State: FL

Complaint narrative:
On XX/XX/year> I received a letter from FCC FInance threatening against me and/ or my property. I receive many calls all day and night and are charging me with incorrect amount. Also it appears in only XXXX credit bureau. Incorrect amount and multiple mistakes made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
XX/XX/XXXX I sent Portfolio Recovery Associates LLC this letter via certified mail so I know they received it. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ATTN : DISPUTES Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Account # : XXXX Last 4 of SSN : XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to your offer letter dated XX/XX/XXXX for a debt settlement regarding Account # XXXX. I have been unemployed for XXXX  years and am in the process of waiting for my XXXX to be approved. Therefore, due to my financial circumstance as a result of unforseen complex and chronic XXXX  issues, I can not pay the amount offered in your letter. Despite this, I would like to come to an agreement with an arrangement allowing me to move on from the outstanding balance. 

I can offer a single payment of {$150.00} to settle the debt. I do not get paid monthly, and I do not have a steady income whatsoever. This is firmly the only amount I can pay. I reiterate that I am unable to agree to sign up for a payment plan as I do not have the promise of an income to pay you monthly. 

Once you accept the offer and process my payment, you will agree not only to report the account paid to all three credit reporting bureaus, including XXXX, XXXX, and XXXX, but also to request the credit bureaus delete the account as a whole from my credit report immediately after the payment has been posted that resolves this account. 

If you agree to my proposed offer, please send a letter of acceptance to me. When I receive the debt settlement agreement, I will forward my payment immediately for the agreed amount electronically. 

Thank you in anticipation. 

Best Regards, XXXX XXXX '' As of XX/XX/XXXX Instead of sending me a letter in return so that I can settle my debt or know where I stand, they continue to send me letters with payment plans and call me every day XXXX times a day. They have called me from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and I have explained multiple times I am XXXX and can not communicate over the phone. They have resorted to continuously harassing me despite me clearly stating that written communication is best. They also have continued to discriminate against me and my XXXX by ignoring my letters and not verifying the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: MD

Complaint narrative:
I'm positioning to offer my hesitation concerning the gave records a shot my credit report. On different occasions, I have raised the issue of mistakes in these records, and have persistently suggested that they be overall around isolated. Regardless of my endeavors, I in a short time plainly can't get any goal or fixing development. These off track records are really harming my credit report and dissuading my capacity to occur with an ordinary life. The hostile results of these goofs have caused colossal difficulties for me, and I'm left with no decision close to fight for your help with moving an eye on what's along on at the earliest entryway. I cautiously demand that you direct an exhaustive evaluation concerning the principal of these attempted records. It is fundamental that the critical advances are taken to empower and change my credit report right away. With your assistance, I truly need to reestablish the precision and standardness of my credit record so I could recover command over my cash related flourishing. I truly ask you to introduce this matter your generally ridiculous idea and make an impetus move. Your organized exertion and moving in settling this issue quickly would be tremendously basic. Grateful to you without even batting an eye for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear SYNCB/LOWES ; I'm really surprised, shocked and dismayed that this account is still reporting {$1600.00} balance as of today. I was on the phone with your staff few weeks ago and i paid this in lieu that this account will be removed off my credit report or updated as paid as agreed never late. As of now, it continues to report inaccurate, invalid, and inconsistent payment history, all invalid dates, questionable balances, and erroneous status. It's illegal the way this account is reporting and therefore, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-08-19 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: GA

Complaint narrative:
Experian and XXXX are reporting inaccurate information on my credit profile. I am entitled to complete and accurate credit history ; this is missing account information so please remove it.

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 2024-08-19 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: LA

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> around XXXX PDT at the Wells Fargo XXXX ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I attempted to make a cash deposit of {$1100.00} ( all in {$50.00} bills ) into the ATM. I followed the directions and inserted the cash into ATM, which began to count the money. During the transaction, the ATM froze and the screen blanked out with a message that it was out of order. The ATM did not return the cash in process or did it credit my account, which is the normal process during issues like this that I experienced. 

I then proceeded into the branch to let them know of the issue and the teller XXXX flagged to the Service/Branch manager of the issue. As I waited to speak to the manager, I completed the second half of my cash deposit for {$2000.00} ( all in {$100.00} ). I then spoke to the manager and they let me know the ATM had been having problems and they would check on the ATM. She then came back and said an ATM technician was inside the room trying to fix the issue and that my cash deposit that wasnt returned should be credited to my account within the next couple of hours. If I didnt see it by then, I should file an ATM claim. I thought it was odd, but I agreed as I needed to catch a flight by XXXX and it was a manager who told me the issue with ATM. The next morning I didnt see my account credited, so I filed a claim with the bank as instructed. 

On XX/XX/XXXX, the bank notified me that my claim was not being honored as their ATM back office team could not confirm the transactions. I requested an escalation of the issue noting the only way they could not retrieve the money from the ATM was if there was fraud/theft on the part of the ATM technician who was in the ATM room at the time of the deposit failure. I requested for them to further investigate and for them to review the video surveillance, which will show the entire situation. The bank has since responded on XX/XX/XXXX that they could not confirm my claim once again, but hasnt provided me with any evidence that theyve reviewed the surveillance video of the branch and the ATM room or that they reconciled the ATM machine that it was holding more cash than it should have. Based on the issue, I believe the only way the money could be missing is from theft from the ATM technician in the room who I believe caused my deposit failure in the first place. Ive been with the bank for XXXX XXXX and after this experience I have no trust in the way Wells Fargo handles ATM claims.

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 monetary relief