vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: NJ

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Company 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 2024-06-24 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: NJ

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Company 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX My Loan was funded by XXXX XXXX Loan Stream with monthly payment of {$3900.00} P & I On XX/XX/XXXX, my loan was transferred to Shellpoint which I continued paying the same amt. No changes on my monthly payment. 
On XX/XX/XXXX, I received letter from Shellpoint that starting XX/XX/XXXX my payment will be {$4900.00}. the whole month of XXXX I have been calling Shellpoint on multiple occasions but no solution given to me by Shellpoint. 
XXXX came, my checking acct was debited {$4900.00} more than what I authorized monthly payment of {$3900.00}. 
I reached out to XXXX who originate my loan but without any solution given to me. 
Have I known that my monthly payment is this high, I will not make this loan to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I have received the disclosure that was mailed to me on XX/XX/year>, yet it still does not contain my SageStream consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> Compliance Department Experian XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX XXXX 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, Experian/Equifax/TransUnion. This dispute is made under the provisions of the XXXX XXXXXXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with XXXX XXXXXXXX XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ Experian/XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXXXXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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 have been trying and trying to get these fraudulent accounts removed from my credit report but i just cant seem to get the help i need. Please, this is identity theft. help 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 2024-06-24 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: OH

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain my credict

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 2024-06-24 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: OH

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain my credict

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-24 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: PA

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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
I paid off the account in 2022 and relocated to Florida last year. When I got the bill from Audi I requested a copy of contract where I approved of this charge. Audi did not provide such. I am not just noticing that there is a charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried contacting numerous time to remove the debt from my account. They can not verify the information, the account listed does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: ID

Complaint narrative:
My wife and I were looking into installing solar and were receiving bids from different installers. On XXXX we requested a bid proposal for XX/XX/XXXXXXXX XXXX The representative filled out the forms on his tablet and filled in my initials. At that time, I asked for paper copies due to XXXX needs and not being able to use various programs on a computer. I received a text from the representative XXXX XXXX after he left, with a pdf file to click on and a residential solar analysis popped up this proposal was not complete. XXXX told me I would receive the paper copies the following work day. On XX/XX/XXXX I received a second similar proposal that included the additional information that was not included on the first proposal. 
I requested paper documents several times by email and text, but we never received the paperwork. 
We paid a {$99.00} fee to hold a spot for that year to make sure we qualified for the tax incentive. We were told we would not get the {$99.00} back if we chose not to go with XXXX XXXX XXXX, we were fine with this and thought better to loose {$99.00}, than a major tax benefit. This was our XXXX solar bid request from different businesses. I contacted XXXX and let him know we were not going through with the proposal and we realized we would be forfeiting our {$99.00}. In early XX/XX/XXXX, we were notified via telephone that we needed to pay a restocking fee of over {$1800.00} since we did not cancel in writing within 3 days of having agreed to the proposal. 
We never agreed to the proposal and never received the paperwork. We took this to theXX/XX/XXXX XX/XX/XXXXwho sent the XXXX XXXXXX/XX/XXXX XXXX a letter and XX/XX/XXXX never responded. Since then, XX/XX/XXXX was purchased by XXXX XXXX In XX/XX/XXXX we received a letter from XXXX XXXX XXXX out of XXXXXX/XX/XXXX stating, we are reaching out on behalf of XXXX XXXXXX/XX/XXXXXXXX in resolving a past due amount of {$2000.00} We contactedXX/XX/XXXX and requested that they prove that this is good debt and that they own this debt. Still no response..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Dear Experian Team, Thank you for your response dated XX/XX/year>, regarding the dispute I submitted on XX/XX/year>, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether Experian directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge Experian to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.

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 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I am requesting multiple documents for an alleged debt that XXXX claims I owe. 
XX/XX/XXXXr ( FYI ) : Money do not exists, only credit/debt ) I am requesting for my records : Financial Statements to show the proof of the Cash Flow Statement column, the cash flow that was coming into this separate concealed account that was created between the dealership and the bank without my knowledge. ( The ledger book ) Balance Sheet Statements Income Statement showing this security was created for the purposes of XXXX, the dealership and the bank gains as assets while it became a liability and a loss to me. 

Proof that there is a Certificate of Indebtedness for this security/alleged debt. 

Auction Bill of Sale I want to know how much did XXXX redeemed off the balance on the pending loan. XXXX breached the peace by entering on an DO NOT ENTER PRIVATE cubit that was closed gated and forcibly entered my property without my consent. 
I was uninformed and they concealed the fact that they kept what was supposed to be compensated back to me after the vehicle was sold. XXXX didnt give me an opportunity for a redemption. XXXX gives us an opportunity of a redemption. Why XXXX doesnt? 

IRS Form 1099-C form if one exists.

IRS Form 1099-OID if one exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Eqifax will not verify identity even after I sent in all information asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I do not have any issues with the three major credit reporting agencies. However, there is a problem that was started upon my move to the United States in 2018. I had a new job as a XXXX at a hospital in Maryland. In order to start work I needed a social security number. The IRS gave me a temporary Tax ID to use in place of a social security card, and eventually I received my card. My tax ID number was XXXX. While I awaited my card from the Social Security Administration, I used the Tax ID number to buy a vehicle. That vehicle has been paid off. Accordingly, I need each credit bureau to delete my old Tax ID number and only maintain my social security number ending in XXXX. My bureaus are showing basically two social security account numbers, and I need the bureaus to merge my files under just my social security number.

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