vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: AL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information on the best of their ability with maximum accuracy. I have never been late on payment for the account for that i have included in the screenshot inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see screenshot 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Upon reviewing my consumer report I notice XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX XXXX have furnished alleged late payments to the credit reporting agencies. 
The only way a creditor can treat a payment as late falls under XXXX XXXXXXXX XXXX XXXXXXXX - Timing of payments ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
For any creditor to treat a payment as late you must prove the following : XXXX ) Each Periodic statement ; and XXXX ) The information required under XXXX XXXX XXXX ( b ) of this title ; XXXX ) was mailed out or delivered ; XXXX ) XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. 
XXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! A creditor can not treat a payment as late without complying with this section of the law ( XXXX ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section XXXX ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than XXXX  days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ) of this title. 
Prove the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi closed a Citi XXXX account in good standing and without explanation. The account had earned XXXX XXXX XXXX  as of XX/XX/year>. Upon closure the points disappear from online access. Calling Citi XXXX for an explanation results in " No explanation '' only confirmation that the account has XXXX XXXX XXXX  available. The annual membership fee of {$95.00} had not been reimbursed, so I am still a member, at least on paper. 

It appears to be very self serving and unbalanced in favor of XXXX Citi : XXXX ) approve account opening XXXX ) approve every single transaction on the credit card XXXX ) collect swipe fees for every transaction executed XXXX ) charge annual fee of {$95.00} XXXX ) at the time of their choosing suddenly closes the account without notice and apparent reason XXXX ) confiscates the points legally earned with no explanation

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 2024-12-30 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: AA

Complaint narrative:
My accounts 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/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was sent a {$100.00} payment through cash app. After accepting the payment the app tells me I have a negative balance off XXXX. They claimed my account went XXXX in the negative on XX/XX/year>. But if I look at transactions there is nothing for that date. In fact there were no transactions between XXXX. When I asked multiple time for them to show me the transactions to prove this negative balance they just tell me they are working on it. I cant get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
Hi, My Name is XXXX XXXX, I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) within 4 Business Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
Hi, My Name is XXXX XXXX, I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) within 4 Business Days

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
I have contacted the company more than once to remove the information on my credit report and they are very rude on the phone, do not provide options to assist me and raise their voice on the phone call. They stated that they do not have to ever remove their information on a consumer 's credit report and then quickly switch me over to a recording.

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 2024-12-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a debit card from Money Network in XXXX  for {$700.00}. I spent over {$500.00} and have a balance of approx {$110.00}. I cant use the card and can not contact money Network. They say they have no record of that 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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My USAA XXXX XXXX XXXX  was fraudulently used and they refuse to refund my money.

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 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I reached 80 % LTV on my mortgage by making additional payments. The loan was refinanced in XX/XX/XXXX. I reached out to United Wholesale Mortgage, requesting that they remove PMI, since I had reached 80 % of the original LTV. 

In response, I received an auto-generated letter indicating that XXXX XXXX required either an appraisal or a broker price opinion ( BPO ), because the Automated Valuation Method was unavailable for my property. 

On XX/XX/XXXX, I mailed a letter to UWM again requesting that they remove PMI and referencing 12 U.S.C. 4092, which requires that PMI be removed when the loan reaches 80 % loan to value. The only requirements of federal law that were relevant are providing evidence that the property has not decreased in value. I provided eight comparable sales within the last 12 months demonstrating that the property has not decreased in value since XX/XX/XXXX, along with the property tax assessment for XXXX, which shows an {$80000.00} increase in value to the property. I also provided four current comparable listings that are on the market. 

In response, I received a letter in early XX/XX/XXXX that was virtually identical to the original letter, requiring me to pay for either a BPO or an appraisal. The letter did not address the evidence that I provided regarding the value of my home. 

On XX/XX/XXXX, I called UWM to get more clarity on the situation. The only thing they were able to state is that XXXX XXXX is the investor, and XXXX XXXX requires a BPO or licensed appraisal from an independent licensed broker. Their definition of independent is apparently XXXX that works for the bank. They were unable to cite to a specific regulation or statute that allows them to require payment before removing PMI. I do not believe this is in compliance with federal law governing the removal of PMI, as 12 U.S.C. 4902 does not require the borrower to pay for a BPO or licensed appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Received a letter from USAA on XX/XX/year> ( dated XXXX that stated credit card account was closed secondary to not making a purchase in 60 days as per prior notification. No notification was received, either by postal mail, email, text or on USAA website communication account. 

Connected USAA, they agree there is no record of online account documentation, but report a letter was mailed. Spoke with team member and escalated to resolution specialist. 

Have been a USAA member for over 48 years and there have always been multiple communication notices, especially online. 

I realize they can cancel a credit card at anytime, for any reason. But, to claim notice was given, when they can not prove any notice ( online document section ) was given, received or acknowledged seems disingenuous. 

Thank you for your attention to this matter. 

I am a senior citizen if this affects the outcome at all.

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 2024-12-27 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I filed for XXXX XXXX XXXX on XX/XX/XXXX with a XXXX attorney. All my creditors XXXX reporting due the XXXX federal law. UpStart I did a personal loan with them to pay IRS taxes. I confirmed with them and the confirmed that they recieved the XXXX filing notice XX/XX/XXXX. I had made ALL my installement payment prior to the XXXX filing " Paid on time Paid as Agreed '' However they reported on XXXX late payments ; XXXX XXXX 30 day late, XXXX XXXX 60 day lateXXXX XXXX XXXX  90 day late. The XXXX XXXX XXXXXXXX XXXX XXXXXXXX account and referred it to a collection company. 
When I talked to Upstart customer service person in XXXX XXXX they said they had the XXXX filling document from my XXXX attorney. I asked them why they are violating XXXX credit reporting laws and they said they have a company that deals with XXXX and that they did have my XXXX attorney on record. He referred by to XXXX ( XXXX XXXX, XXXX. I called them and left messages. 
I told Upstart customer service that 'they/Upstart '' are reporting incorrectly and to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX an personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal account opened at XXXX XXXX on XX/XX/XXXX with personal loan account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2024-12-27 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. I am a victim of a data breach, and my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent 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 non-monetary relief
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: IN

Complaint narrative:
The following companies ran hard inquiries on listed dates without my knowledge or permission. Have been reaching out to them over the last year, with no response PayPal via XXXXPayPal XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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