vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
My account with XXXX  XXXX 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 paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
On XX/XX/2024 I settled my account with XXXX XXXX. My account status on Equifax is still showing Charged Off, rather than Paid As Agreed or Paid Charged Off. I contacted Equifax, and have not received any replies or seen any updates regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I switched bill planners starting the month of XX/XX/2024 and forgot to add my Avant credit card payment to my book which was due on XX/XX/2024. I realized on XX/XX/XXXX that I had missed my payment and made the {$25.00} minimum payment immediately. I called Avant right away and requested a one time courtesy waiver of the {$25.00} late fee since I have not been late in the previous 13 months that I had th3 card. I called on XX/XX/2024 and a request was submitted for a waiver. On XX/XX/2024 I received a denial of the request via email. I called Avant immediately and was told when I asked to speak to a supervisor that one was not available and that the waiver would be approved by a supervisor and that I would receive a call back. I never received the call back and feel I was lied to just to get me off the phone. I called Avant again on XX/XX/2024 and was finally escalated to a supervisor who refused to provide a manual credit of {$25.00} for the late fee to my account and stated it was a system limitation. Her name was supposedly XXXX and told me to file a complaint. The {$25.00} late fee was viewable on my account when I logged in on XX/XX/2024, but now since my bill cycle has ended on XX/XX/2024, I am unable to see the {$25.00} late fee charge and my statement is not viewable yet so I am unable to upload a supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent out certified letters asking them to prove that I signed or gave them authorization to access my consumer report. I have not received any response. They called me often. I have asked them to stop. I have asked them to remove their information of my consumer report. Company name is LVNV FUNDING LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have made two purchases on my MasterCard issued by Goldman Sachs Bank and had returned the products to the respective merchants. I was within their return policy guidelines Merchant number one XXXX XXXX XXXX XXXX did not refund my credit card for {$150.00} in which I disputed and the second Merchant XXXX did not refund my card yet provided a store credit in which is useless. I returned to the merchandise and I specifically stated to refund the original form of payment. I have disputed both of these charges in which Goldman Sachs did not even read the purpose of the dispute from my behalf and just immediately cited with the merchant regardless that I don't have the merchandise and that I returned it in accordance to their guidelines. I still have the charges appearing on my card and Goldman Sachs refuses to redispute these items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MD

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts do not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

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 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This is a new credit card issued by Comenity Private Bank at XXXX XXXX XXXX XXXX. The check was mailed on Monday XXXX XXXX. Bank states they rceived payment in full on Monday XX/XX/2024 in the amount of {$49.00}. Since the due date was XX/XX/2024, a late fee of {$30.00} was charged to my account with a due dated XX/XX/2024. 

I believe I should not be billed this much and that the fee should be reversed due to such a long delivery by the US Postal Service. 

Thanks for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
-It has come to my attention that There are unauthorized hard inquires from : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I did not authorized and I am requesting that all hard inquires be removed off XXXX, TRANSUNION and XXXX XXXX reports immediately. 

-Also it has come to my attention that my XXXX XX/XX/XXXX account is not reporting on my consumer credit reporting to TRANSUNION and ask that XXXX account reflect on my credit report. 

-Also my XXXXXXXX XXXX XXXX opens XX/XX/XXXX account was removed off my credit report without my authorization. I'm requesting that XXXX XXXX XXXX account be reinstate and reflect on my credit report XXXX, TRANSUNION and XXXX. ( Accuracy of report ) 15 USC 1681e ( b ) USC 1681 section 604

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have never been late on a credit card and am having a tough time getting the late pay reporting removed from my report from the reporting company. It is effecting my score and my ability to get into the best rates. Please help me in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and after a review of my credit report I noticed an account that does not belong to me. I have disputed this fraudulent account multiple times and no one is doing anything about it. The account holder continues to report inaccurate and unlawful information that has become detrimental to my credit profile. I have attached a copy of my Experian credit report displaying each name identifying number associated with me and my credit profile. This company ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX, is not reporting any of these name identification numbers. However they are reporting name identification number XXXX which DOES NOT belong to me at all! This company is also not even reporting an address for this account. PLEASE DELETE THIS ACCOUNT IMMEDIATELY

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged WORLD HYUNDA - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
My account with XXXX XXXXXXXX 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 paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX is the loss mitigation representative who wrote by email on XX/XX/XXXX requesting the divorced co-borrower 's information in order to complete the loss mitigation application. 
On XX/XX/XXXX, I submitted a XXXX-page loss mitigation application, compliant with CFPB regulations 1024.41. The additional documents were going to be sent in zip format.mat, as indicated in the email with the application. Days later the representative wrote that the coborrower signature and consent was needed to proceed with the evaluation. The bank has failed to comply with HUD and CFPB regulations by requesting the signature and consent of the co-borrower, who is not obligated to participate in the loss mitigation evaluation process. 
According to XXXX handbook XXXX, co-borrowers who are deceased, divorced, serving in the military, or have mental health issues can be excluded from loss mitigation options since XXXX. A clarification issued in XX/XX/XXXX specifies that this applies to trial payments and final modifications. 
.Despite the regulations, the bank 's loss mitigation representative insisted on obtaining the co-borrower 's signature and consent to proceed with the evaluation. This request lacks legal basis and unnecessarily hinders my right to request a loss mitigation evaluation.They failed to fulfill HUD 's requirements for the assumption and release the co-borrower. They failed to explain or follow the steps related to the successor in interest The bank 's insistence on the co-borrower 's signature unjustifiably delays the evaluation of my application again. On XXXX I was approved for a loan modification and made the trial payments as requested but then was denied by the lender because they wanted the divorced coborrower to sign the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number XXXX XXXX Inquiry 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 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My credit union acted un a garnishment submitted by LNV Funding LLC, a company with whom I do not have any original contract. I was never sent notice ; never given an opportunity to validate debt ; and the address on the garnishment is not my address. 

I demand that all monies be returned, and a debt validation process be determined. 

Additionally, because of the undue stress, embarassment and burden that this has placed mem under, I demand all financial remedies and all notice requirements for violation of the law, to the maximum extent of the law. 

This is unconscionable that a garnishment can be exeucted where there is no proof of service, because as far as I know, the address mentioned does not exist. It is erroneous information that is listed on my credit profile whixh is also incorrect. 

I have requested several updates to my credit profile with all credit bureaus, and apparently it hasn't changed. 

Why would a validated creditor utilize erroneous information? Why wouldn't they utilize the address on the original debt, if such debt existed? 

Please make immeidate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-12 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-12 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: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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