vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: SC

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

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

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit is Unlawfully reporting account XXXX On my consumer report. 

Dear Midland Credit Management, I am writing to dispute the validity of the debt you have reported to the credit bureaus under my name, and to request detailed information regarding this debt. I believe Midland Credit Management is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Specific Concerns : Debt Reporting : According to IRS guidelines, any debt over {$600.00} considered charged off is treated as income and should not be reported on a consumer 's credit report. I request clarification and proof that this debt has not been charged off or considered as income. 

Debt Validation : I request certified copies of the following documents to validate the debt : Proof that the alleged debt has not already been satisfied by any means available, including but not limited to a tax write-off, an insurance claim, or selling the purported debt to a XXXX-party debt collector. 

Certified copies of all Public Hazard Bonds and/or Liability Insurance Policies , along with accounting demonstrating the financial capability of Midland Credit Management XXXX 
An affidavit signed under penalty of perjury that Midland Credit Management or any agents acting on their behalf have not violated any portion of the FDCPA. 

A certified copy of the original contract that Midland Credit Management has with me, XXXX XXXX showing my signature and the terms of the debt. 

Full disclosure of Midland Credit Management 's possession of first-hand knowledge at the time of this alleged debt. Please provide a notarized copy signed under penalty of perjury. 

Legal Rights and Obligations : Under the FDCPA, you are required to provide this information within XXXX days of receiving this letter. Additionally, any further collection activity without validation of this debt will be considered a violation of my rights under the FDCPA and FCRA. 

If you fail to comply with my request, I will be forced to file a complaint with the, Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I may also consider legal action for any damages incurred due to your non-compliance. 

YOU ARE NOT IN XXXX XXXX COMPLIANCE. I WILL BEGIN ARBITRATION IF ACCOUNT IS NOT REMOVED. YOU WILL BE RESPONSIBLE FOR ALL FEES AND YOU WILL HAVE TO PAY ME FOR REPORTING INACCURATE INFORMATION AND DAMAGES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there are numerous inaccuracies that is affecting my credit score and 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 2024-06-22 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: DE

Complaint narrative:
Per 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. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy.

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

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating 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 non-monetary relief
Consumer complaint received 2024-06-22 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: DE

Complaint narrative:
Per 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. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy. 
15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: TX

Complaint narrative:
I recently reviewing a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting 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 explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My Genesis Auto Lease is expiring so I elected to sell my Genesis XXXX via private party. I printed a payoff statement in XXXX and contacted Genesis Finance USA to confirm I had the right amount, address and process. 

On XX/XX/XXXX, I again contacted Genesis to confirm the amount, address and process. I then met my buyer at a XXXX in XXXX to finalize the deal. I brought a check for {$1600.00} and the buyer brought a check for {$39000.00}. We XXXX XXXX both checks along with the payoff statement and odometer statement all together via overnight mail. XXXX tracking number XXXX. The package was received on XX/XX/XXXX at XXXX XXXX and signed for by XXXX XXXX. 

I know the package was received because they posted my check for {$1600.00} on XX/XX/XXXX which coincidentally was also not posted in a timely manner. As of today, XX/XX/XXXX, they have not posted the large check nor processed the payoff nor had any relevant communication with me. They continue to charge interest and are sending me notices that a payment is due on XX/XX/XXXX. 

I called on XX/XX/XXXX to file my first complaint. The rep told me the payoff department does not accept calls and she sees not record of the other check or paperwork. She could send them an email and they have 5 days to respond. ( I'm still waiting for a response. ) I asked for a manager and was transferred. She asked for all the information I gave above and she promised that a complaint was filed and I would hear something soon. 

Due to no response, I called back on XX/XX/XXXX and again had to ask for a manager because a rep told me no prior complaint was filed. The manager confirmed no complaint was filed, nor could I talk to the payoff department, nor could it be escalated. He filed an email complaint for me and again said it would be 5 days. I begged for a quicker response and more help but to no avail. 

I have not heard a response as of today, XX/XX/XXXX. My buyer is furious with me. I have to keep the car insured even though the buyer has the vehicle. I have big liability if something goes wrong. I may lose the sell to a good buyer. 

I would also like to add that Genesis XXXX XXXX  has also conducted suspect practices with repairs and a recall. A dealership guaranteed they replaced a fuel pump due to a recall and then the next dealership while inspecting it for normal maintenance stated the pump was not replaced so they actually replaced it.

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 2024-06-22 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: TX

Complaint narrative:
It has come to my attention that you are not removing records despite my submission of the FTC report. According to regulation 605b of the FCRA, this is mandatory. Therefore, I am submitting this complaint to seek a lawful resolution. If you choose not to block the items listed below, which are inaccurately reflecting fraudulent activity, I will forward my documents to my attorney to initiate legal action. It is my preference to avoid legal proceedings, so please comply with the law. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On three separate occasions, I told Chase I had insurance. 1- when I bought my home and had to have proof of insurance, 2nd time in XXXX after I had uploaded that same proof of insurance because chase demanded proof of I was ensured and purchased insurance using my escrow without my permission although I was already insured ( corresponding reference number for that call is XXXX ) that time funds were refunded and a third time when I called on XX/XX/XXXX after they again committed the same act of fraud again ( case # XXXX with chase ) upon which I filed an FCC complaint the agent I spoke with XXXX said I would be refunded in 7 days and I was never refunded to my escrow account. I choose to get insurance solely through my insurance agent and so chase going behind my back with evidence they should not is both illegal and fraudulent and infringes upon my right to choose against my fiduciary rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
Thank you for promptly correcting some of the negative information on my credit file. However, there are still accounts that need to be repaired. I request the immediate correction of all inaccurate information associated with the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
My account with HONDA FCU was never late! I have had exceptional payment history with HONDA FCU 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 in XXXX to XX/XX/year> to be removed. 

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

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


HONDA FCU Never Sent the periodic statement along with the disclosures from section 1637 ( 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 2024-06-22 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: SC

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is r

eporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX USA/XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602, state I have the right to privacy. Additionally, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, 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 XXXX days before the payment due date. 
Please demand the Creditor, in this case, XXXX to produce evidence of the delivery of the mailed payment, no later than XXXX day, as the law states. If XXXX is unable to produce this letter the account must be deleted as it violates the law.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I had sent a payment of {$100.00} over PayPal for an item I was purchasing over XXXX. A few hours passed and I was sent {$400.00} from an unknown account and the seller was asking me to help in verifying his account by depositing the money into another account. Not knowing it was a scam I went ahead and helped out. I was then sent {$450.00} on XX/XX/year> and was asked to do the same thing, again I went ahead and did it. I only then learned on the next day, XX/XX/year> that this was a scam and then cut contact with the seller. I then called PayPal representative and relayed the situation and the assured me that I was fine and would not be in any trouble. The user who had sent me the money then filed claims against me saying that I had sold them something and they never received it. I escalated the claim and provided my side of the story. I then provided more evidence on XX/XX/year> and afterwards PayPal ruled in favor of the buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of XXXX days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief