vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
Late payments XXXX XXXX Account number Date opened XXXX. XXXX, XXXX Late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I tried to renew my XXXXXXXX XXXX subscription with my Citibank card ( It was on automatic renewal ) I use the same card to renew another XXXX subscription monthly with no problem I received a notice that there was suspected fraud via email and text. I approved the transaction Twice I called Citibank and they said my card would be unblocked I called XXXX We tried to pay again Card blocked This happened 4 times I added a new citibank card to pay the charge and that card was immediately declined. I've called Citibank 6 times to try to get the cards unblocked I was told twice that it was unblocked and now I'm being told that my card ( XXXX ) are " under review '' I don't know what that means and now I have XXXX cards that I can use. I have no idea when this will be resolved There was no fraud. I was simply trying to make a payment Now I can't make any payments. Again there was no fraud and they confirmed my identity yet still blocked my cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Up to XXXX calls a day saying either I owe back taxes or student loan debt, almost all are pre-fixes in XXXX XXXX. I pay my taxes and I was only a co-signer on XXXX of my daughters loans for {$8000.00}. When that company I believe it was ( B of A ) called me, I asked them to produce the XXXX years of payments I made as well as the interest rate that I had paid. I had all of the information & even if the rate was XXXX % it would have been paid in full. They could not and until recently I thought it taken care of!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are out of your window to fix the issue : Attached is proof from XXXX stating I did have options and in my other dispute as well as from the bank you will see I utilized them. I was told if I set up the deferment it will change my due dates not making me late. 

I showd you all of this plus my new agreement and you guys didn't update my account I told XXXX and they didn't respond for 2 months now. Between you XXXX someone within 30 days was to update MY account to NO LATE PAYMENTS DUE TO DISASTER or remove the account according to law see attached On top of that this is a loan showing as a car/auto not personal. You guys said you updated and validated over 90 days then 30 days ago but even the TYPE of account is incorrect which within itsself is grounds from removal. Because to whom when and how did you validate anything if even the type is wrong still If I'm wrong please prove to me how.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are out of your window to fix the issue : Attached is proof from XXXX stating I did have options and in my other dispute as well as from the bank you will see I utilized them. I was told if I set up the deferment it will change my due dates not making me late. 

I showd you all of this plus my new agreement and you guys didn't update my account I told XXXX and they didn't respond for 2 months now. Between you XXXX someone within 30 days was to update MY account to NO LATE PAYMENTS DUE TO DISASTER or remove the account according to law see attached On top of that this is a loan showing as a car/auto not personal. You guys said you updated and validated over 90 days then 30 days ago but even the TYPE of account is incorrect which within itsself is grounds from removal. Because to whom when and how did you validate anything if even the type is wrong still If I'm wrong please prove to me how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Accounts were opened without my knowledge and are being reported to the credit agencies as collections. This is negatively affecting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then all these inquirires which are not mine never requested any services from those creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-14 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
For XXXX consecutive months, I had charges declined when using my Target XXXX. Both times I checked my current balance via their mobile app which showed I was well below my credit limit. I subsequently called their customer service each time. On XX/XX/XXXX, I called to ask about why my card was declined on XX/XX/XXXX. The mobile app showed that I had made a payment of {$990.00} on XX/XX/XXXX, that my current balance was {$460.00} and my credit limit was {$1200.00}. My bank showed that the payment had cleared on XX/XX/XXXX. The representative told me that my payment was being held because {$990.00} is considered a large payment and subject to additional review per their policy. The applied payment was not being credited towards my available credit until their review process is completed. If this is truly their policy, then they are holding millions of peoples funds for weeks at a time and using it as a justification to withhold credit. It is in effect penalizing consumers from paying their credit card balance in full every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Accounts were opened without my knowledge and are being reported to the credit agencies as collections. This is negatively affecting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
I have contacted this company multiple times and multiple times they say my inquiries are factual!! Multiple times Ive contacted the merchants and they have stated they have removed it from my credit report over a year ago yet even with all the proof they state it factual. They do not do their investigation and Im filing a formal complaint everywhere I can because theres no way this company does thorough investigations otherwise my inquiries would've been taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NEXA Mortgage, LLC
State: WA

Complaint narrative:
In XXXX of XXXX  I was referred to a lending agent to see if I qualified to by my first home. 
She said I was approved and gave me the name of her friend who is a real estate agent. I already found the house I wanted to put an offer on, but needed an agent to view it. 
After seeing it, I made an offer at the price they were asking {$450.00}, that night the agent called me and said they declined ( even thou they had no other offers and I did offer asking price ), so she suggested we offer {$450.00}, I agreed only if seller paid all closing costs. 

Not being familiar with the whole house purchase process, I assumed between the lender and realtor, they would know what closing costs would total. When I later saw the figure of {$9000.00} I assumed that was the closing costs amount they figured and closing costs meant except for escrow and appraisal fee, I would not have to pay anything at closing. Again, first time home buyer here and I was not walked through any process except the short conversations we had. 

So we start the process ( both lender and realtor knowing my finances, my budget and my limits $ ) Long story short I wound up paying {$8000.00} for a very high rate with no explanation, I also had to come up with over {$4000.00} at cash to close, witch I was not expecting. My lender also went XXXX for the week leading up to closing, she did not return calls or emails to me me or the realtor. 

I reached out to the company she worked with, her supervisor had to take over and close loan. Not only was it rushed through, but at the XXXX hour I felt extreme pressure to sign even thou the terms were not as originally what was agreed upon. I had already given notice of where I was renting and was alos going through a medical issue, so postponing and starting over and loosing my escow money was not an option I could afford. 

My needs as a buyer were not of concern, I felt extremely mislead and I feel it was ethically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: CA

Complaint narrative:
I am writing in hopes of getting some assistance with my account with Vystar. I have been with Vystar for over XXXX  years and have served this country for the last XXXX  years as an XXXX combat veteran. The issue at hand is this, I have been informed by the fraud department that my account will be closed due to multiple payments made in order to assist with a major purchase I am in the process of completing. They did not give me any further information but that the paid transactions would be returned. I tried to explain to them that when a new paying account is added to the account, that it takes XXXX business days to clear the account before a large payment is made ( according to their automated telephonic system ). Therefore, payments could only be made online through an automated system for only {$2000.00} at a time. Please note, I do not reside in Fl and there is no branch here in California. I explained this to the fraud department, which clearly didn't know about this automated service. Otherwise, they would never have asked why I was making payments in {$2000.00} increments. Because of that, they decided that they didn't want to do business with me anymore claiming that the account payment was made from was inaccurate. 

The account was not fraudulent and no security measures were breached in this process as I had the payee on the line verifying and authorizing each payment. I also contacted Vystar the day before to let them know that I was going to be doing cash advances due to the large purchase that needed to be made. When asked to further investigate and prove their case of returned payments, they had no other answer for me than to state that it looked suspicious and fraudulent so they have to close my account. 

I feel thrown away and discarded and I would like my account reinstated immediately. I have filed an XXXX claim in regards to this, contacted the CEO and President of Vystar, the audit committe, and anyone else that need to be involved in this matter. If this is not resolved amicably, I will have no choice but to file a lawsuit against Vystar.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted all required documents and information to the relevant parties, as part of a standard process expected to adhere to FCRA ( Fair Credit Reporting Act ) guidelines, which stipulate a resolution or response timeframe of no more than XXXX days. Despite following all guidelines and procedures, as of today 's date, the issue remains unresolved and the XXXX period has been exceeded without any communication or satisfactory explanation. This delay and lack of response are in violation of the FCRA laws that protect consumers, and I am seeking assistance to ensure that my rights under these regulations are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted all required documents and information to the relevant parties, as part of a standard process expected to adhere to FCRA ( Fair Credit Reporting Act ) guidelines, which stipulate a resolution or response timeframe of no more than XXXX days. Despite following all guidelines and procedures, as of today 's date, the issue remains unresolved and the XXXX period has been exceeded without any communication or satisfactory explanation. This delay and lack of response are in violation of the FCRA laws that protect consumers, and I am seeking assistance to ensure that my rights under these regulations are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
account name : XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CORELOGIC INC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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