vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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 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. 


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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I kindly request that you review and correct the following inaccuracies in my consumer report to ensure the accuracy of my consumer information.

Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] emphasizes the importance of maintaining precise records.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I kindly request that you review and correct the following inaccuracies in my consumer report to ensure the accuracy of my consumer information.

Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] emphasizes the importance of maintaining precise records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I sold a rental property at XXXX XXXX XXXX XXXX XXXX, IL XXXX. It was financed through New Rez Mortgage purchased from XXXX XXXX We Closed the property on XX/XX/XXXX at XXXX. I ordered a payoff XXXX week prior to the closing for the closing date of XX/XX/2024 with a perdiem. The closing agent used the amount of the payoff on the payoff statementand added the per diem. Apparently while this was happening New Rez Mortgage made a tax payment on an amount to XXXX XXXX XXXX that was not due until XXXX. New Rez rather than applying the payoff sent the payoff back because they said it was short. They did not notify the closing agent they were sending back the payoff. In the meantime the closing agent wire transfered the additional funds and that wire was rejected. As of today they are still charging interest on the loan and it does not show it's been paid off. The closing agent called New Rez and said they would send the payoff but they need to backdate it to XX/XX/2024. New Rez is refusing to back date the payoff even though we used their payoff letter and tried to send the excess funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My checking account. Got. Heck. Someone withdrew XXXX dollars. Without my permission. Now. Bank refuses to. Refund that money to my acc

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 2024-10-31 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: MI

Complaint narrative:
I have been a responsible credit user with XXXX XXXX for 24 months. Since, I have had an account, I have never missed or had a late payment. In addition, I pay more than the monthly required minimum. My Equifax score is currently a XXXX and I have XXXX debt. I am on an income driven payment plan for student loans and currently pay $ 0 monthly and this will continue until I make at least {$40000.00} or after my graduation date. I spoke with CapitalOne, and was told, I have to reach out to the CFPB. 

I have requested credit line request on both of my XXXX accounts several times. All of which have been denied based upon my credit report. This last time, I was denied for this reason : " Your financial obligations, such as those reflected on your credit bureau report are too high compared to your income '' I am submitting this complaint because I believe XXXX is purposely and improperly obtaining my credit report. I am exercising my right to complain under the terms of the FAIR CREDIT REPORTING ACT in which XXXX 's credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency. 

I obtained my report from Equifax and on the basis of XXXX 's statement being : " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' There were no indications of financial obligations being too high compared to my income. 
Therefore, I am led to believed I have been discriminated against on the basis of race, color, and/or national origin which violate my rights protected under the Equal Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple fraudulent and unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are not only inaccurate but have also impacted my credit score and financial standing, causing me significant distress and concern.

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 2024-10-31 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: DE

Complaint narrative:
I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach, which has left my personal information vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1300.00} 2. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$9200.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$400.00} 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  XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 2024-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CA

Complaint narrative:
I received an unexpected and unwanted CashApp debit visa card in the mail that I did not apply for. The apparently resulted from a data breach at the XXXX XXXX XXXX  and we were told to report this to CFPB before contacting the company, who has proven to be much less than helpful for other people in a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account has been falsely and inaccurately reporting to all three credit bureaus it had its listed as open on my XXXX report and closed on the other two credit reporting companies. This company has sold it to a debt collector and still reporting late payments and causing defamation of character. This is affecting my everyday life and this need to be resolved immediately and need to be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I applied for a XXXX credit card issued by Synchrony Bank, which resulted in two hard credit inquiries within a span of 11 days. The first inquiry was on XX/XX/year>, and the second was on XX/XX/year>. Both inquiries were for the same card application, yet each inquiry appears separately on my credit report as a hard pull, which has affected my credit score.

I am unclear on why two separate hard pulls were conducted for a single application, as this does not seem consistent with standard credit application processes. This duplication has caused an unnecessary impact on my credit score.

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 2024-10-31 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:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc.
State: LA

Complaint narrative:
I am writing to demand the immediate removal of the following items from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have inquires all made on XX/XX/year> they are all fraudulent i did not open any of those accounts.i have filed a report with the ftc for fraudulent activity

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 2024-10-31 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: FL

Complaint narrative:
i have inquires all made on XX/XX/year> they are all fraudulent i did not open any of those accounts.i have filed a report with the ftc for fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: WI

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 2024-10-31 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:
Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations associated with the above-referenced account. Your agencys incorrect reporting of this account violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage to my credit profile. Immediate correction is required to avoid further escalation. Violations Identified for the XXXX  XXXX  1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX  and XXXX XXXX. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts. 2. Discrepancies in Last Activity Dates o TransUnion lists the last activity as XXXX, while XXXX  reports it as XXXX, and XXXX  reflects XXXX. This inconsistency directly violates 611 of the FCRA, which mandates accurate and consistent reporting. 3. Failure to Align Payment History with Account Status o The payment history indicates multiple late marks even after the account is marked paid and closed, which creates an inaccurate reflection of the account's standing. 4. Dispute Status Not Updated o The account is incorrectly marked as "Account Not Disputed", despite previous efforts to correct the reporting. This non-compliance with 623 of the FCRA demonstrates a failure to properly handle disputes and ensure accurate updates. 5. Conflicting Remarks and Status o Remarks state, "Closed or paid account / zero balance, fixed rate," yet late payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.

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 2024-10-31 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: TN

Complaint narrative:
I received a copy of my credit report, and I have found the following item to be an error. 

XXXX XXXX XXXX  OPEN DATE : XX/XX/year> - ACCT # XXXX XXXX  ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$32000.00} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-10-31 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: TX

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 found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I want this removed from my credit report and possibly perusing legal action due to causing detrimental financial issues from lack of employment opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I called XXXX to find out where my new card was on XX/XX/year>. I never received it but made payments during the interim. The customer agent ( XXXX XXXX told me my account was paid up on XX/XX/year> and nothing was needed. They agreed to send me a new card. 

The company recently switched to XXXX XXXX  from XXXX. 

I believe they made a mistake somehwere because I received a notice of account closure with no explanation and no way to log in. This event happened days after I talked to customer service who obtained my SSN, as I had no card to verify my identity. 

Being that my account was paid, there was no reason to close the account after being told nothing was due because of the Hurricane disasters and having current payments on my account. There was a grace period even if my bill was not due. I was not only charged a late fee when I paid again, but my payment and the account was closed without warning.

Note : I can not even log in to an account to see the Notice of Cancelation to upload here, as they have not sent me information to log in.

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