vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I used to have a store credit account with XXXX 's which is backed by Comenity Bank. While XXXX 's has been out of business for several years, I continued to pay my balance that never seemed to go down no matter what due to fees and rising finance rates. So I enlisted the assistance of Legal Advocates for Seniors and People with XXXXXXXX XXXX XXXX XXXX  in an effort to stop the fees and finance rates so that I can effectively pay the debt. However, ComenityXXXX 's continue to aggressively and consistently call me with demands and threats. I have been forwarding this information to XXXX and they suggested that I contact the CFPB while they advocate on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never la
te.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a indenity theft report also and contacted 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 2024-12-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I disputed the charge with Chase Bank for returning an item on XX/XX/year> for {$170.00} - XX/XX/year> Chase bank ending up taking out the {$170.00} leaving me in the negative and charging me for overdraft fees. 

I returned a car part and sent it back to FCP XXXX : tracking number is : XXXX using UPSP, the package got there XX/XX/year> and was signed by FCP Euro, they refuse to give me a refund and chase won't reopen the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which is leading to unknown and inaccurate accounts appearing under my name. These accounts are not mine and should not be associated with my credit profile.

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 2024-12-04 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 account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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

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


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
1. The wait times to reach a person in customer service at MOHELA are at a minimal 90 minutes. This is absolutely not acceptable. We do not have time to be on hold 1-2 hours before even speaking to a person. 

2. When we do finally get to speak to an actual human, they often demonstrate profound incompetence ; do not have any useful or insightful information and then always block the customer from speaking to anyone who might be more knowledgeable like a supervisor or a more experienced customer service agent 3. The resolutions department is solely responsible for resolving disputes. I just got off the phone w one after waiting 2 hours and all she did was read to me what my public account says which I can see for myself! She did not look into the problem, inquire how she could solve it ; she fundamentally did not understand or care about what the problem was or how to solve it. How is this person working in the resolutions department? Where is the accountability? 

4. MOHELA has demonstrated consistently that they are not capable of running the company to meet the needs of its customers, and they need to be held accountable. Customers have rights and we should not be blocked from getting the answers we deserve simply because of their employees complete and utter incompetence and indifference.

XXXX. I had to contact the White House before they even responded to my prior complaints and now I am going to have to do it again. All begging the question whether they should be allowed to stay in business and involved with student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Property Address : XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX  # XXXX I am the XXXX XXXX XXXX of XXXX XXXX. When I took over the mortgage it was with XXXX XXXX XXXX XXXX, and in COVID Forbearance. The forbearance ended and I resumed monthly payments, after 6 months I applied for a hardship forbearance ( while I make upgrades & improvements to prepare the property for sale ) right when the forbearance was ending XXXX XXXX XXXX XXXX  sold the mortgage to XXXX. XXXX sent a welcome letter ( no statement ) via email a notice of the account being sold via postal mail with the principal amount owed at the top, the amount was VERY different than what was on the last statement from XXXX XXXX XXXX XXXX. I called and disputed this and a rep by the name of XXXX XXXX was researching this issue and was supposed to be sorting this out. I followed up with this rep via email & called their customer service number every week. Every time I called I was always told that it is still being researched. Soon Shellpoints toll-free number stopped working for me as if my number was blocked from calling, so I continued to email them with no response. During all that time, I never received any statements from XXXX. Several months later I received legal documents for a foreclosure hearing. I paid the estate attorney to go to court and stop the foreclosure. Four days after the foreclosure hearing, XXXX sold the mortgage to Selene. My attorneys have been in contact with Selene since XX/XX/year> attempting to negotiate & resolve the issue with the incorrect principal balance owed. Selene has done nothing but play clueless games every time my attorneys office contacts them for followup. Most recently ( after several months ) they requested docs that are irrelevant to this issue ( Birth certificate, death certificate, etc ) they were still sent those docs & have confirmed receipt of them. Yet here we are months later and they are still working on it. I have put off selling this property for a long time while waiting for this issue to be resolved. The property was recently listed, I have a buyer and a closing date set for XX/XX/year> and Selene still hasnt complied or provided a payoff quote with the correct principal amount owed. I can not sell the property until this situation is sorted. PDF FILE PASSWORD : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Inaccurate accounts suddenly appeared on my credit report today, and I cant figure out why. I routinely monitor my report, and it has always been accurate until now. Hoping it was a temporary glitch, I refreshed my browser, but the errors persisted. Please, I need the documents Ive sent to be examined with care so I can finally stop worrying about this.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-12-04 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: NV

Complaint narrative:
I am filing this complaint regarding multiple inaccurate inquiries that Experian is reporting on my credit report. I have not authorized these inquiries, nor are they associated with any of my current accounts. Their presence on my credit report is negatively impacting my creditworthiness. Despite my efforts to resolve this matter directly with Experian, the inaccurate inquiries remain on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 1

5 U.S.C. 1681b ), consumer reporting agencies must ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include instances where I have applied for credit, employment, insurance, or explicitly consented to the inquiry. The inquiries in question do not meet these criteria, and their inclusion on my credit report constitutes a violation of the FCRA.

Additionally, under FCRA Section 1681i, Experian is obligated to investigate and correct inaccuracies on consumer reports. I have disputed the unauthorized inquiries multiple times, but no corrective action has been taken. This failure further violates Experians legal obligation to ensure the accuracy of the information it reports. 

The presence of these unauthorized inquiries, which are unrelated to any of my existing accounts, creates an inaccurate and misleading impression of my financial behavior. Excessive and unauthorized inquiries can unfairly lower credit scores, causing undue harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experians failure to investigate and correct these inaccuracies undermines the integrity of the credit reporting system and violates federal consumer protection laws. I appreciate your prompt attention to this matter and look forward to your assistance in resolving 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-04 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: MI

Complaint narrative:
Despite multiple complaints, my credit report still reflects inaccurate accounts that are tied up in litigation. I am outraged by the lack of attention to this issue, which is seriously harming my financial standing.

Company response to consumer: Closed with non-monetary relief