vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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 2024-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
My XXXXXXXX XXXX XXXX was stolen and charges were made on the account i did not make. the address they claim the items were sent to was not my address and the name it was sent to was not my name. my name is not XXXX XXXX and i did not live in the United States in XXXX  Synchrony Bank rudely accused me of the charges and had nothing to back up there claims. They are refusing to remove the fraud charges on my account and want me to pay for something i did not buy.. no one should have to pay for something they did not buy but Synchrony Bank seems to be leave you should even if you didnt make the charges. Synchrony Bank has been making frivolous accusations on customers for years. after doing my own investigation i found out that Synchrony bank had done the same thing to over XXXX card holders. that its so bad they have a 1 star rating.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Submitted information in regards to claim # XXXX on XX/XX/XXXX via email to XXXX like another email prior that was sent to me. Capital One emailed me on XX/XX/year> denying my claim stating I did not give them any information to support my claim that information. And for one part of this claim it states they did a review and information was given by the merchant to show {$100.00} out of the claim is valid but did not provide that information in writing or any way for me to refute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
i do not recognize the negative accounts appearing on my 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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC
State: NJ

Complaint narrative:
Account name VOSS & KLEIN , LLC Account number XXXX Recent balance {$600.00} as of XX/XX/year> Date opened XX/XX/year> Status Collection account. {$600.00} past due as of XX/XX/year>. 

Please assist me with this. I applied for a mortgage on my home and was advised that there is a collection account on my credit report! I disputed this with all XXXX credit bureaus, but they have not removed it as of yet. I have written the below to them as a follow-up but am requesting your assistance. This is causing me to have my mortgage in a pending denial status! 


Thank you for your response but it is vague and unacceptable. As per my initial dispute, I never hired these people. They have no record of me agreeing to them doing work on my behalf and/or the XXXX 's behalf. Thus, this needs to be removed immediately. I am also following up on this with a complaint to the CFPB. See attached

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Self Financial Inc.
State: WI

Complaint narrative:
I have a DISMISSED Bankruptcy listed on my XXXX and XXXX credit report that is NOT mine. I have attempted to go thru the FTC with paperwork I was told to send in to have this item removed. It has NOT worked. Please remove from these bureaus asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I have a DISMISSED Bankruptcy listed on my XXXX and XXXX credit report that is NOT mine. I have attempted to go thru the FTC with paperwork I was told to send in to have this item removed. It has NOT worked. Please remove from these bureaus asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Item was purchased in 2016 and then after 3 month company went out of business and I was not informed of who to contact in regards to payment nothing was sent to me or reported 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I, XXXX XXXX, DID NOT AUTHORIZE WYNDHAM TO CHARGE {$22000.00} to this account, and I have asked Barclay 's to charge it back to Wyndham as fraud. I have asked Barclays to show me my signature authorizing this transaction and they have failed to do so. Their failure to provide me with the information I have requested has prompted me to also contact the CFPB with my concerns.

I am the victim here, not Wyndham. It is quite evident that Barclays receives a lot of business from Wyndham, so of course they are loyal to their money. But are they loyal enough to continue to protect them, when they are committing a felony by the fraudulent use of a credit 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
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: PA

Complaint narrative:
Clark County Collection never mail no notice to the situation nor did I pay them or anything.

Clark county Collections had no legal right with this account due to I was delayed with XXXX  XXXX with the final bill and dispute with the account after moving to another state. 

The bill was resolved with XXXX  XXXX not Clark County Collections. 

XXXX XXXX replied back with some run around answer with has nothing to do with Clark County Collections being put on my credit report to the debt. 

I did not settle no debt with Clark County Collections admitting the debt to Clark County Collections as they place with Credit Bureaus nor any notice to dispute the said debt. 

My concern is not that it was paid it was not legal done by Clark County Collections When talking to XXXX  XXXX with the situation was told after we came to agreement Clark County Collections was not anywhere in the agreement of the debt nor paid to Clark County Collections.

after talking to an attorney about the debt.

There was no payment to Clark County Collections with the debt nor payment to settle with Clark County Collections legal of the said debt. 

My step after talking to an attorney is to file a lawsuit on Clark County Collections/ XXXX XXXX being by her Reply. 

Ther was no legal notice provided by Clark County Collections/ XXXX XXXX XXXX she stated. 

Clark County Collections violated legal rights with notice to the debt and I have phone records as to how many calls to XXXX  XXXX regarding the matter that they had all mess up after Relocating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
My account with Equifax 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.

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.

Equifax 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 non-monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
My account with Experian 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.

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.

Experian 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 2024-09-05 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: TX

Complaint narrative:
My account with TransUnion 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.

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.

TransUnion 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 non-monetary relief
Consumer complaint received 2024-09-05 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my latest credit report, I found several accounts that appear fraudulent and were added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
I was unfortunately severely injured by no-fault of my own in a XXXX by XXXX XXXX auto accident. I requested financial hardship assistance with REVI CARD Issued by XXXX XXXX on multiple occasions by XXXX mail in letters. I never received any correspondence or assistance. This clearly credit discrimination to which i intend to file full legal action if the bank does not recall the Charge Off of this account and settle the account in full for less than {$170.00}. This represents the balance minus all late fees and interest as well program fees since I also requested the account to be closed at my request in XX/XX/2024. Bank and creditor must correct all false credit reporting immediately, removing the charge off and account closed by consumer in XX/XX/2024. XXXX has been paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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