vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, my card was used to complete a payment of XXXX. Ive been trying to get this charge reversed since it occurred but chime keeps on declining my request. I have submitted a police report, documentation of my whereabouts, as well as phone conversations between the merchant and I. I also still have an email the accountant of the company sent me telling me to call my bank and get it disputed because they cant help me but CHIME continues to decline it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is charging us for damage to a rental we were in for two years. XXXX XXXX XXXX.We cleaned property very good. They kept our full deposit of over three thousand dollars. Over a year later they sent us a letter from a collections agency charging us ( my husband ) of two thousand seventy one dollars for alleged damage and repairs. We went to the property in person and the property was vacant. We looked in the windows and saw no new repairs. They claimed they put new windows, new carpet, plants. It was the same as when we moved out I disputed this collection to the agent : XXXX XXXX. I asked them to send me a full list in detail of all repairs including legitimate receipts from vendors who did repairs, send me a debt validation, send a written contract with the creditor. None of these were sent to me. They did not acknowledge my dispute in any way. I don't of what they did was illegal. They automatically put this on my credit without any response to my dispute. Or tried to work me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
TJX Rewards card ending in XXXX Closed the account and sent final full payment of {$93.00} via check using bank bill pay. They sent it via snail mail. It was sent out on XX/XX/XXXX. 
Due date for the bill was XX/XX/XXXX which is a Sunday. 
Payment was credited on XX/XX/XXXX which is a Monday. 
I believe that the XXXX Credit Card act requires that if a due date falls on a weekend, particularly if it is sent through the mail and therefore can not be delivered on that day, that the next following business day is the actual due date. So, in this case, the actual due date should have been Monday, XX/XX/XXXX. I could be wrong about this, but that is what I understand. 
They 'waived " the late fee of {$27.00}, and also removed the {$1.00} they charged us for sending us a paper bill, but they said they could not remove the interest for {$2.00}. 
It is not a lot, and I have sent in the payment, but if what they are doing is illegal I think they should stop. 
I also would not mind getting the {$2.00} back on principle. 
Thanks for all you do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$810.00} EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom it may concern, Re : Request for information Regarding Alleged XXXX Debt. 

We are writing to request a detailed information regarding the bill your company claim we owe your client XXXX XXXX XXXXWe dispute the validity of this debt and would like to understand how it was incurred. XXXX wouldn't have allowed us to open a new account in our new location knowing that we had an outstanding balance from our old location. At the time of our departure from our old location, all XXXX equipments were returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Please provide us with the following information : > A clear explanation of the services or goods provided that led to this alleged debt. 
> The date and amount of the original transaction > Any relevant documentation or contract supporting this claim. 
> Any documentation from XXXX i : e any binding contracts signed with XXXX We want to emphasize that we do not acknowledge owing any debt to your client. we are requesting this information to understand the bases of you claim. 

Please respond to this request within 14 days with the requested information. If I do not receive a satisfactory response or refusal to respond, we will assume the debt is invalid and take appropriate action to protect my interest. 

California law provides for us to know the why and how this debt was incurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 fraudulent applications submitted in my name been used without consent to obtain services goods to extend credit from car dealerships. 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 2025-03-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried opening a savings account with chase bank while already having a checkings account where i currently receive my employer direct deposits and also my IRS refunds. I used the account on daily basis & i tried to open a savings account, went to the branch a couple of times and was told to try later on in the future about XXXX weeks after the day i went and when i tried, i had to verify my identity by answering some personal questions which i did and they were correct, next morning my account was closed/ restricted and i called the department, went 3 times in person to the branch and couldnt get access to the account or any information why it was being closed, i want to release my funds i have in the account because i have bills to pay and i was told they couldnt do it and no reason whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OR

Complaint narrative:
This is a follow up of case XXXX that was filed on XX/XX/XXXX as a complaint with the CFPB regarding XXXX XXXX XXXX XXXX XXXX ). The attachments on that complaint are still relevant to this new complaint. While XXXX are now reporting the debt correctly on my credit reports ( they deleted the XXXX account ), the XXXX XXXXXXXX account is still showing. On XX/XX/XXXX and XX/XX/XXXX I requested a letter from XXXX asking them to verify with XXXX XXXX the original creditor, that my debt was settled and cancelled because I filled out a XXXX form in XX/XX/XXXX, which they approved. They refused to send me a lettter, which is predatory considering no other debt collector has refused to issue me a letter saying my debt was settled. XXXX have not sent me that letter so that I can show XXXX XXXXXXXX and the credit bureaus that the XXXX XXXXXXXX debt does not belong to me, and that it has been settled along with the XXXX XXXX account that should be deleted from my credit reports. The letter is important because of the letter I received from XXXX XXXX on XX/XX/XXXX saying they are asking all XXXX credit bureaus to delete the account, but that I may owe XXXX, which I do not. I need this letter from XXXX to compile proof that my XXXX XXXX account must be deleted from ALL XXXX credit bureaus. Every time I contact them via phone on XX/XX/XXXX and via XXXX XXXX XXXX XXXX to ask for a letter verifying the facts of the situation, I am snubbed of the opportunity and told to call in for a supervisor, which is ableist considering I wrote in my XXXX letter about my XXXX, and they approved that as a cancellation of the debt for settlement. XXXX XXXXXXXX XXXX account is still showing on my credit reports despite the company itself requesting deletion off of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: OR

Complaint narrative:
This is a follow up of case XXXX that was filed on XX/XX/XXXX as a complaint with the CFPB regarding XXXX XXXX XXXX XXXX XXXX ). The attachments on that complaint are still relevant to this new complaint. While XXXX are now reporting the debt correctly on my credit reports ( they deleted the XXXX account ), the XXXX XXXXXXXX account is still showing. On XX/XX/XXXX and XX/XX/XXXX I requested a letter from XXXX asking them to verify with XXXX XXXX the original creditor, that my debt was settled and cancelled because I filled out a XXXX form in XX/XX/XXXX, which they approved. They refused to send me a lettter, which is predatory considering no other debt collector has refused to issue me a letter saying my debt was settled. XXXX have not sent me that letter so that I can show XXXX XXXXXXXX and the credit bureaus that the XXXX XXXXXXXX debt does not belong to me, and that it has been settled along with the XXXX XXXX account that should be deleted from my credit reports. The letter is important because of the letter I received from XXXX XXXX on XX/XX/XXXX saying they are asking all XXXX credit bureaus to delete the account, but that I may owe XXXX, which I do not. I need this letter from XXXX to compile proof that my XXXX XXXX account must be deleted from ALL XXXX credit bureaus. Every time I contact them via phone on XX/XX/XXXX and via XXXX XXXX XXXX XXXX to ask for a letter verifying the facts of the situation, I am snubbed of the opportunity and told to call in for a supervisor, which is ableist considering I wrote in my XXXX letter about my XXXX, and they approved that as a cancellation of the debt for settlement. XXXX XXXXXXXX XXXX account is still showing on my credit reports despite the company itself requesting deletion off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt. 
2. The amount owed and a breakdown of the charges. 
3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate. 
If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
1.XXXX XXXX -reporting 2 months late- FICO report says all payments are up to date. 
2.XXXX XXXXXXXX XXXX XXXX was a charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
3.XXXX XXXX XXXX- lists 2 months back-to-back 90 days late. 
4.XXXX  marked 30 days late, but also says all payments made and in good standing. 
5.XXXX XXXX  says 120 days late but shows in good standing. 
6.XXXX- shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. 
7.XXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
8XXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months 9.XXXX XXXX XXXX XXXX- never had an account with this bank, 2 payments behind. 
10. XXXX XXXX- reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation