vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: WI

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Finance Account # XXXXXXXX XXXX XXXX  Account # XXXX Dept of Education/XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX Tab Integra Credit Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Saturday, XX/XX/year> I deposited a check for {$11000.00}. I was informed by customer service that those funds would be made available within XXXX business days, barring a hold. On XX/XX/year> I became aware that there was a 7 day hold on the account. The customer service through the app informed me I would have to contact a local branch. Upon reaching out to the branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX she informed me this was due to my account being new. Upon research, I found that according to CC regulation XXXX, Section A, Subsection XXXX, my account is not considered a new account. I reached back out to the branch XXXX, and she informed me that the hold was actually due to Reasonable Doubt of Collectability. I asked for the reason for doubt, which they have to provide according to XXXX, XXXX XXXX She stated she had no reason listed. I called the customer service line, and after being rerouted several times I was put on the line with a manager in Electronic Banking. She also refused to give me a reason for the doubt of collectability, and repeatedly stated they are in federal compliance despite not following the listed regulations. I filed a formal complaint within the company, and requested to speak with someone in compliance and audit. She informed me that she would not be forwarding my call. In addition, everyone I spoke with refused to refer me to the formal complaint department, and repeatedly stated no one would be able to release the hold.

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 2024-07-23 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 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 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/scrub> 2024 I tried to freeze my credit with TransUnion. I was told on XX/XX/year>2024 that the birthdate that I gave didn't match their records and I need to submit my driver 's license and a utility bill with my correct address. At the time my license had the incorrect address but was due for renewal. I renewed early and submitted those items via email on XX/XX/XXXX. I've had no response so I emailed them again on XX/XX/year>2024 asking for an update or if there was an issue. They have failed to respond to any of my emails since the very first one.

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 2024-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I XXXX of 2020 I had lost my job unexpectedly and due to no fault of my own. I went to Tower Loan here in XXXX Missouri to inquire about any relief on my current loan I had been paying on due to XXXX and the loss of my job. The girl working stated there was no relief options available but said she could refinance the loan to put payments out another month and a half. So she did so even though I had no job. But what I found out after getting home that day was that I had Credit Insurance on the loan she refinanced which would have provided payments for me due to the loss of my job. Now they are garnishing my wages after receiving a default judgement in the amount of {$3700.00} but say with interest I owe {$8500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OR

Complaint narrative:
I did a return through XXXX and they deposited XXXX into my chime account on XX/XX/year>. Which gave me a balance of XXXX. I spent XXXX dollars on the XXXX and XXXX. I went to bed the night of XXXX XXXX with approximately XXXX dollars. When I woke up on the XXXX I had XXXX charges totalling XXXX against my chime account. That left me overdrawn approximately XXXX dollars. 

I had my chime card in my wallet. And every charge said something about XXXX being the merchant. I immediately called chime and a dispute. I waited however many days they said it would take and then they denied my claim. They said, " Based on our investigation, we have concluded no error occurred. '' I appealed this 2 times after that. I then went into my XXXX and printed of my purchase history for XX/XX/XXXX and XXXX and not one of those charges appears in my account. I then submitted those documents to chime, and filed a dispute with XXXX with the same information. Both were denied. I filed the XXXX dispute on XX/XX/XXXX. After only 7 days XXXX emailed me back and said they couldn't verify my claim. The appeals to my chime dispute took like 5 days. Personally I don't think they did any more investigating for the appeals. In the end my dispute was denied and I never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim identity theft, and found numerous credit inquirires I have no knowledge of here are the inquirires that I have found, Capital XXXX XX/XX/year> Please remove these fraudulent inquirires 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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony financial closed my XXXX XXXX  with a balance of XXXX today XX/XX/year> without any notice or warning. I've paid on time payments every time, sometimes more than once per month. Last payment was XXXX submitted I believe XX/XX/XXXX ( was posted ), and then another XXXX XX/XX/XXXX, I can't access my account because its saying technical difficulties so they must have booted me because my friend went to the website and saw the login info just fine. I've never missed a payment, always been on time. I still had roughly XXXX XXXX  in credit available to me. They gave no warning, nothing, and just closed my account with an open balance. When I called to ask why, they just say " you are high risk '' with no further explanation. WHAT? I've paid everything on time and usually over the minimum payment, sometimes multiple times per billing cycle. Nothing has changed with my credit lately except that I recently bought a car. I don't think it's fair to do this to someone who's paid everything on time out of no where. I have the cash to pay the balance down if need be but I'm using cash to fund my small business and now this is going to wreck my personal credit. My balance was not over the amount or anything so I'm so confused as to why they would do this randomly with no warning.

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Upon reviewing my credit reports I noticed that a collection was placed on my reports by Midland Credit Management with the original debt coming rom a company called XXXX XXXXXXXX XXXX. I have never done business with XXXX and I immediately reported Identity Theft. This is not my debt. I have attached a copy of the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize these hard inquires. These Hard Inquires are unauthorized. Please 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : XXXX XXXX XXXX, TransUnion I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my XXXX and XXXX report, then reporting as collection / Chargeoff account on Transunion XXXX Date open shows XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent Transunion and XXXX states Charge off and XXXX states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to XXXX XXXX XXXX XXXX and TransUnion on XX/XX/XXXX. 

- XXXX, XXXX and TransUnion have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.

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 2024-07-23 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: NC

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : Equifax XXXX XXXX, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my Equifax and XXXX report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and XXXX states Charge off and Equifax states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to Equifax XXXX XXXX XXXX and XXXX on XX/XX/XXXX. 

- XXXX, Equifax and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.

Company response to consumer: Closed with non-monetary relief