vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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. 


EXPERIAN 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! 


Update 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 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Subject : XXXX XXXX XXXX TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit XXXX XXXX {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/year> ( TransUnion and XXXX ). 
Account XXXX : XXXX and XXXX. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under XXXX XXXXXXXX XXXX  XXXX, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per XXXX XXXX XXXX XXXX ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( XXXX ) : Per XXXX XXXX XXXX XXXX, creditors are required to send periodic statements at least XXXX  days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
XXXX XXXX XXXX of XXXX XXXXXXXX ( XXXX ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : XXXX removal of the inaccurate XXXX late payment notation for XX/XX/year> from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by Navient ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I believe that the loan is inaccurately reported on my credit file. 

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against Navient XXXX XXXX XXXX already removed off my credit just not XXXX and XXXX. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA XXXX XXXX FCRA XXXX XXXX ( f ) FCRA SECTION XXXX ( a ) ( XXXX ) XXXX ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, a woman pretending to be me was able to fraudulently withdraw {$6000.00} from our checking account at the XXXX XXXX XXXX XXXX in XXXX. This person created a bank account using their fraudulent phone number and email in my name and was able to setup online banking access to our account. We had previously deleted my own online banking account due to fraud and asked that the phone number they had previously used be deleted from our account. We had other fraudulent withdraws at the XXXX XXXX  in XXXX XXXX XXXX XXXX  back in XXXX of XXXX even though we live in XXXX. After the first fraudulent withdraw, we had holds placed on our accounts that were removed without our knowledge. We are in the process of switching banks when this other unauthorized withdrawal of {$6000.00} happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I disputed an account listed under XXXX XXXX XXXX XXXX  on my Experian, XXXX and XXXX credit report, as I have never conducted business with this company nor authorized any transactions associated with it. Despite submitting my dispute with sufficient documentation, including proof of identity and supporting details, Experian, XXXX and XXXX. failed to conduct a proper investigation or remove the fraudulent account. 

This account has been negatively impacting my credit report, and Experian, XXXX and XXXX 's lack of action violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements under XXXXXXXX XXXX  XXXX, which mandate a reasonable and accurate investigation of disputed items. 

The dispute was initially submitted in XXXX, and I have yet to receive any meaningful response or evidence of verification from Experian, XXXX and XXXX. This lack of action has caused significant XXXX XXXX  and XXXX, as the inaccurate account continues to damage my creditworthiness and financial stability. 

I request that the Consumer Financial Protection Bureau ( CFPB ) hold Experian, XXXX and XXXX accountable for their failure to comply with FCRA requirements. 
I demand a thorough investigation of the disputed account and the immediate removal of the fraudulent account 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 2025-01-10 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

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 2025-01-10 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: PA

Complaint narrative:
There are several items on my reports that are being reported by Experian, XXXX, & XXXX. I have contacted all creditors and each bureau. I have not only been a victim of identity theft, but also my name was a part of the data breach. They refuse to remove the items and it's been a long time of the same treatment.

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I opened a Venmo account in XXXX XXXX I tried to transfer my Venmo balance of {$380.00} to my bank account on XXXX XXXX XXXX but the transfer was cancelled by Venmo and my Venmo account was frozen. I contacted Venmo on XXXX XXXX XXXX by filling out a help request form on their website. I received email instructions on what to do to unfreeze my account which included sharing a photo of a bank statement with any personal information obscured. They asked for a bank statement from an account ending in numbers that did not match mine. I replied to that email explaining that I do not have a bank account ending in those numbers. They asked that I share a photo of a bank statement for the account that I had tried to link to my Venmo account. I called Venmo using the phone number listed in the app to verify that the emails were authentic, and the person I spoke to verified their authenticity and explained that they couldn't help me over the phone and I needed to follow through with the steps outlined in the emails. I shared a photo of the bank statement from the account I had tried to link to my Venmo. This is the email I got in response : " Thank you for sending us your ID. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' They would not explain what " actions and activity '' violated the User Agreement. I can not help but wonder if there was some kind of fault with Plaid that links bank accounts to Venmo since they were asking for documentation related to a bank account that is not mine. I can understand their freezing my account if I was the victim of fraud, but I can not understand how there is nothing I can do to get my {$380.00} besides waiting 180 days with only the possibility that Venmo will make it available for me to transfer. I do not wish to continue using Venmo 's services. I don't trust them, and my experience with them has been miserable. I just want to be able to transfer my {$380.00} into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We tried getting a HELOC loan but in the process, we could not get approved. 
We didnt receive a denial email. 
Truist bank is who is receiving all active mortgage payments. 

We went and tried getting approved else where, that company told us they couldnt approve us because Truist was not on the title and XXXX XXXX XXXX was still first XXXX position on title. 
XXXX XXXX XXXX is the original mortgage issuer. With in a month XXXX XXXX XXXX assigned the contract to Truist Bank, no documentation has been provided, we have made attempts to locate it. 
We contacted XXXX XXXX XXXX for that assignment, but none was found, they did not record it with the county, showing XXXX XXXX XXXX is still first XXXX position and Truist is not on the title at all. My mother has the mortgage with Truist and has been paying her note but has been having trouble accessing her equity. 
When we were in contact with XXXX they said that they have a XXXX summary for the contract. We are confused in who has XXXX position and why we couldnt qualify. We have documentation of our current situation including : -Current mortgage invoice XXXX summary report -Title search ( we hired a XXXX party to conduct a title search ) -Original loan agreement with XXXX XXXX XXXX We are confused on the denial and who really has first position on the home. When we confront both companies they bounce us between each other going through numerous emails and hours on phone calls.

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 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a reminder for case # XXXX which remains unanswered and is past due. If you have already responded, please provide a copy 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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cash Link USA, LLC
State: GA

Complaint narrative:
Harassment is what Ive been getting from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with XXXX regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XXXX and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that XXXX has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that XXXX will take prompt corrective action to ensure the accuracy of the information they report. 
XXXX LATE PAYMENT key point inquiry INQUIRY XXXX LVNV FUNDG INACCURATE NAME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Company sold debt to another collection agency, in which there was never an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief