vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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! 


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 2024-12-24 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: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX 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!

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 non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


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 2024-12-24 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: DISCOVER BANK
State: FL

Complaint narrative:
On summer of this year I called Discover to ask to differ three payments of my personal loan. Discover over the phone offered and approved my request. I was told that my credit will not be affected. Arbitrarily, Discover violate the agreement and started reporting to the credit bureaus. 

XXXX XXXX months I have being calling them to fix this issue and they are evading their responsibility. Continuously Discover is telling me I have to wait. They are playing the tired game with me. 


I want from them stop reporting viciously and fix my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX, I opened a dispute with Experian, Complaint No. XXXX. I would like to remove the dispute and dispute the following matters. On XXXX, I settled the XXXX XXXX account listed as {$110.00} for {$90.00}, confirmation code XXXX. However, there remains on my account an XXXX XXXX  debit for {$850.00}, which has been charged off. Pursuant to 26 U.S.C. 6050P, where a charged-off account is greater than {$600.00}, I am entitled to be provided with a 1099c tax form. Since XXXX XXXX  never provided me with a 1099c tax form, I have no way of determining how the charged-off was handled. Accordingly, absent the 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$850.00} is the correct amount owed on my account. There is another account listed on my credit report from XXXX XXXX XXXX XXXX, in the amount of {$10000.00}, which was a voluntary surrender. However, absent a 1099c tax form, I have no way of disputing whether or not the debt was forgiven and whether or not the {$10000.00} is the correct amount owed on 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 2024-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I tried to make a purchase one day and it decline. I logged in to see that my account was restricted. I have emailed multiple times to the support line because their AI will not let me use the internal chat feature. I have emailed on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additionally, I have requested a phone call through the app on XX/XX/XXXX XX/XX/XXXX They keep saying they are going to call from a XXXX area code but I never receive a phone call. The call back number is correct. 
I have verified in my call log that I have no missed phone calls from them. 

I do not even know why my account is restricted. I have not spoken to anyone and this has been going on since the beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I received notice that my real estate taxes from XXXX were not paid by my escrow account. I reached out to cross country mortgage around XX/XX/XXXX who requested information to be sent to them which I sent. I never received information back, so I assumed that taxes had been paid. I then received a notice that my taxes were now going to a debt collector. I reached back out to cross country mortgage in XXXX and XXXX and XX/XX/XXXX forwarding all the information they requested which included, copies of the tax bill, and copies of the debt collector notice. I never received information back. I then received notice that there had been a lien put on my home for set unpaid taxes. I then reached out again to cross country mortgage, which then I received a letter stating all taxes had been paid. I then received a notice That my borough was suing us for unpaid XXXX taxes. Due to the negligence of this mortgage company the amount owed for taxes, fines, and fees have tripled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
Today a debt that was removed from my credit report was re-added to my report and the date was changed. This card was originally said to be opened in XXXX but the company changed the date and it says the account was opened XX/XX/XXXX. Due to this debt being removed from my report and then being place back on when with a different date and restarting the statute of limitations on it, I believe this is fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NC

Complaint narrative:
REQUESTED WITH LETTER TO REMOVAL ALL ADDRESSES AND INCORRECT NAME ( SPELLING ) AND OTHER PERSONAL INFORMATION THAT DOES NOT BELONG ON CREDIT REPORTING AGENCY

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been straightforward to deal with in previous years, but I've had difficulty receiving good service lately. I always give good feedback, but the bank seems to mismanage funds, accounts, refunds, etc. They refuse to allow me the right to dispute online or via mobile app. They mismanage disputes. Do not reimburse overdraft fees when funds are refunded or caused by fraudulent charges. Years back, I complained that my funds were taken. For instance, I found many payments missing from XXXX, and when cross-referencing those payments, they were never reflected. When I brought this up to the Boa regulators, they tried to convince me that I was wrong. Something is terrible here. 

A of now, BOA received over XXXX in refunds and all I've is XXXX? I still have overdraft fees and do not understand their accounting methods. They hold refunds longer than necessary. It's not their money to take or manipulate.

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 monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am the party contractually bound to pay off this debt or stop collection activity and remove it altogether. Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Reporting information on a consumer 's credit report without their consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because privacy rights have been violated. I am demanding the company block and remove the accounts from my consumer report no later than 4 business days after such information I've provided ACCOUNTS : XXXX ( {$530.00} ) XX/XX/XXXX, XXXX ( {$990.00} ) XX/XX/XXXX 2023

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 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my report please remove this account from my report. It is hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XXXX XXXX, I visited the 'XXXX XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX send XXXX USD to my cousin, XXXX XXXX XXXX as a gift. Tracking # ( XXXX  ) : XXXX XXXX XXXX. When my cousin did not immediately receive the money, I called Western Union. They informed me that the money would be available within 3 business days. On the third business day, I called Western Union and canceled the transaction because it was not in my cousin 's account. On the XXXX, I called Western Union regarding a lack of a pending refund in my account, and the representative informed me that it could take 7 business days. On the 9th business day, I called Western Union and the representative indicated that she would re-escalate the refund to the investigation team. I asked the representative what investigation was required as the money was never debited to my cousin and that Western Union is holding the money. The representative agreed, but indicated that she could not do anything. Today marks the 10th business day and I have yet to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: DE

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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! 


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 non-monetary relief