vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2024-10-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV responded to complaint XXXX, in which I disputed an account based on the illegal business practices conducted by the alleged original creditor. LVNVs response merely included information on the loans origination date, which constitutes hearsay, as no supporting documents were provided. Furthermore, I was never notified by the original creditor or LVNV that this account was being sold to a third-party company. 

How can a collection agency that I have no prior relationship with claim ownership of this debt without any notice or documentation from either the original creditor or LVNV at the time of the transfer? This lack of transparency raises significant legal concerns. 

Additionally, the way this account is being reported violates FCRA regulations. According to the FCRA : Collection accounts can not show late payments or a past-due status since the debt is already considered defaulted. 
Reporting payment history on a collection account is a further violation of federal law. 
I am once again demanding the immediate removal of this account due to multiple violations of the FCRA and FDCPA. Enclosed, you will find the True Bill with instructions for remittance. Please address this matter promptly to avoid further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: WV

Complaint narrative:
on XX/XX/2024 I contacted Upgrade/Universal to update my mailing address. I tried to online, but they denied my request and I called Customer Service. I was told they couldn't update my address verbally. I was instructed to send a copy of my license front and back and then to create a sign with my account details on it and hold it up in front of me and take another picture. Since I didn't write the word " account owner '' next to my name on the hand drawn sign, they rejected this as proof. I sent official USPS postal address change document reflecting my previous and current address- they rejected that. I also sent a screenshot of my bank login showing my name and updatedaddress- they rejected that. I was told I needed to send a bank statement, My bank issued XXXX on XX/XX/XXXX. I sent the first page showing my address change- they rejected that. I sent the whole bank statement ( XXXX pages ) but redacted my personal purchase information as it is private to me and they have XXXX right to see that information. The bank statement clearly reflects my new address. I am not qualifying for a loan, which I might add I NEVER provided one piece of information to GET the loan, but have to jump through hoops to change my address., I am simply changing my address. They also rejected that stating I must send whole unredacted bank statement to change my address or a voided personal check, which I do not have as eveything is online these days. This seems a little overboard and violates my privacy to provide a whole bank statement when the only thing I need to do is change my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NJ

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 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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was at a restaurant and began receiving texts from different credit card companies that there was suspected fraud. I panicked, but begin to call the credit card companies. This was not the end of it though. Changed passwords and then to lock them, however I had ( 2 ) credit cards that had not been used in 4 years tied to my SunTrust checking account online. We also have a business account, which my personal account is linked to, so therefore I rarely sign onto my personal account. I was going through all my accounts, which took some time as well. I signed onto my personal account, which at that time only showed ( 1 ) of the credit cards and it wasn't the card that had been used for Fraud .The actual card that was used for fraud, I still hold in possession, as it was never activated. I used it for a balance transfer, paid it off in XXXX and did not use it again. Then when SunTrust became Truist, I assumed it had been closed. I had not received a new card upon expiration. When I saw the card and the charges on my account, I called and reported it and unfortunately had someone with a strong accent, which I kept repeating qustions to him. I knew I had the other SunTrust card that was actually showing on my account and questioned would I receive another card with the name Truist on it and he said no, it is still good, but wasn't the one with Fraud. The card that was used for Fraud, which hadn't shown up on my account, he sent a new one, because I reported it and it still remains unactivated. I called multiple times and even went into the branch. I received a letter that stated I would not have to pay any payments on the disputed amount, which was the total amount charged on card. They sent a letter for a late payment and I sent it back with the case # and it had been used for Fraud. Truist then reported me to credit bureau before investigation was finished... according to what I was told. I panicked and sent an immediate payment, because I have not been late on one payment. In retrospect, I should have immediately called them. I sent a certified letter to Truist with statements from other credit card companies that was also used for Fraud and stated what I have said here. They sent a letter back and said they were standing with their original decision, which I received with no signature or identity to talk with. A form letter. Not only a victim of Fraud, but of my bank also.

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 2024-10-15 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: NC

Complaint narrative:
I received a letter fromEquifax stating that they will not remove my information from my report unless I send the following shown and circled in the letter, I am sending copies to you and to the company so that this can be removed persection 605B of theFair Credit Reporting Act : My request was as followed to Equifax : I have mailed off the form Equifax requested for them to remove my information : on XX/XX/year> I have contacted Equifax credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : Credit First XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I bought my Amex Gift Card, Loaded it {$500.00}, Activated it and kept it save, not until its time to make use of my card for online purchase and it kept declining, not until I spoke with an Amex customer care representative and I was confirmed that the card has been charged for {$490.00} without my consent. Please I need help with my money cuz Amex is not really Helping, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: NJ

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

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 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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX of 2024 XXXX transactions for XXXX XXXX were made using my debit card. I waited for the XXXX transactions to no longer be pending and e-filed a dispute. It came back as no error made. So I called them and the filed a rebuttal and once again it came back as no error made. So I called them back and asked them what information they were using to prove that I made these transactions and was told that they came to this decision because no new information was given. So I got a screenshot from my uber eats account showing no transactions from those days and a picture of my time card showing I was at work at the time of XXXX of the transactions. Once again it was responded to with no error made. I just got off the phone with them for the fourth time and asked again why theyre still denying it and was told no new information was provided which it was because I sent them photographs I hadnt sent before.

Company response to consumer: Closed with monetary relief