vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: SC

Complaint narrative:
I checked my credit report noticing that all 3 bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. 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 2024-09-21 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: NC

Complaint narrative:
This company promises to report to all XXXX  credit bureaus. They continue to fail to report to Equifax. There are other customers on XXXX with this issue. I need to speak with an executive to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
First Credit Services has sent at least 2 texts to my landlord who is responsible for my housing. There would be no reason at all on this earth why they should have his phone number. 
They did not reach out to him with the purpose of getting my contact information to resolve my debt with me. They texted him links that direct to a web page citing my debt amount and the original creditors name. 
They provided him link to settle my debt. And the text on XX/XX/XXXX had an option to text stop to cease the texts. He replied to them to stop. They did not. They texted him again today XX/XX/XXXX. With more links to settle my debt exposing my information. 
I am humiliated, violated, and am terrified about how this is going to affect my housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX Document Request Date : XXXX-XXXX Claim Amount : {$420.00} Hi XXXX, Attached to this email are the document ( s ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime XXXX ID Date Amount Merchant XXXX. XXXX XXXXXXXX {$12.00} XXXX XXXX XXXX XXXX. XXXX XXXXXXXX {$7.00} XXXX XXXX. XXXX XXXXXXXX {$39.00} XXXX XXXX. XXXX XXXXXXXX {$8.00} XXXX  XXXX. XXXX XXXX-XXXX {$42.00} XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX {$200.00} Atm Withdrawal XXXX. XXXX XXXXXXXX {$100.00} Atm Withdrawal XXXX. XXXX XXXX-XXXX {$2.00} Cash Withdrawal Fee XXXX. XXXX XXXXXXXX {$2.00} Cash WithdrawaXXXX Fee When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any. 

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team. 

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. Merchants can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here. 


If you have any additional questions or need further assistance, feel free to contact us anytime. 

Warm regards, Chime Dispute Team This ticket includes a secure attachment. Use this link to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$670.00}

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 non-monetary relief
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-21 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: SC

Complaint narrative:
I checked my credit report noticing that all XXXX bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. 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 2024-09-21 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: SC

Complaint narrative:
I checked my credit report noticing that all 3 bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I have uploaded numerous documents on the companies page in the manner they recommend to get approved for forbearance or other repayments. To no response from the company or no indication that the documents were received. Contact the company to verify and no response. Payment was also much higher than was initially estimated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I paid off the XXXX XXXX  card and closed the account. The balance was around XXXX USD. The account is now in collections with Lvnv Funding Llc for the amount of XXXX USD. I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: LEXISNEXIS
State: AZ

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was denied access to a checking account with multiple financial institutions, due to the information they stated was on my consumer report with both XXXX XXXX  and early warning services. I have requested copies of my reports by mail and never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I opened CFPB case # XXXX. It was assigned to XXXX XXXX ( sp? ) at XXXX XXXX with the office of the CEO with USAA. XXXX was very rude to me and stated that she had the authto close my claim when I asked to speak to her supervisor, and askedfor another personbe assigned to my claim ( I felt that she was behavingin a biased way toward me ). She ( XXXX ) said that she had no supervisor and that she was the sole authority in reviewing my claim. The Depository Agreement and Disclosures provided by USAA ( attached ) did not disclose that they had the right to hold EFT funds due to overdraft on a debit card. Tje doc provided by USAA stated on page 28 that " EFT funds are posted on the day they are received. '' Please note : These terms and conditions are dated effective XX/XX/2024 - after the XX/XX/2024 incident yhat I'm reporting. I forwarded the control numbers from the originating bank ( XXXX XXXX XXXX ), showing that USAA had the funds as of XX/XX/2024 but USAA would not accept this information or override their automated hold of my funds.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Issue : Inaccurate Information on Credit Report, Failure to Update and Verify Information Properly Description of Complaint : I am submitting this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) during the process of updating my personal information. Specifically, TransUnion failed to properly verify and document the methods used to update my information, and as a result, my consumer rights were violated. 

On XX/XX/year>, I submitted a formal request to TransUnion to update the personal information on my credit report, which included a correction to [ specify what you asked to update, such as your name, address, or other personal information ]. In accordance with the FCRA, TransUnion is required to conduct a reasonable investigation into any disputes and provide me with the method used to verify the information included in my credit file.

However, I received a response from TransUnion stating that I did not request a verification of the update method, which is not true. I explicitly included this request in my dispute letter, as outlined in [ section 611 of the FCRA ( 15 U.S.C. 1681i ) ]. TransUnions failure to include the update verification method constitutes a violation of my rights under the FCRA, which ensures consumers the right to : Accurate Information : I am entitled to have accurate and verifiable information on my credit report. 
Verification of Disputed Information : TransUnion is required to inform me of the method used to verify the accuracy of the information during the dispute process, as per FCRA guidelines. 
Right to Be Notified of Investigation Results : TransUnion did not fulfill its legal obligation to provide the method of verification used in my case. 
By failing to provide the verification method or even acknowledging my request, TransUnion has violated my rights under the FCRA. This has resulted in [ mention any harm this caused, such as being denied credit, receiving higher interest rates, or having incorrect information remain on your 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 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/year> XXXX separate chargers were made in the XXXX XXXX XXXX totaling {$4600.00} I was scammed by a person posing as law enforcement and immediately called Wells Fargo to stop the transactions and Wells Fargo claimed that they could not and would open a case for investigation. After the investigation concluded Wells Fargo decided that no fraud had been detected. Wells Fargo never activated fraud protection for my debit card.

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