vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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 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. XXXX EXPERIAN 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized XXXX  party is involved, making this situation even more problematic.

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 2024-10-10 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: DC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE 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 non-monetary relief
Consumer complaint received 2024-10-10 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: VA

Complaint narrative:
Im in disbelief after seeing inaccurate accounts on my credit report this morning, and I have no clue where they came from. I do regular checks, but this time, errors suddenly popped up without warning. I refreshed my browser, hoping it was just a mistake, but nothing changed. I am extremely concerned and need assurance that my documents will be properly reviewed so I can stop living in fear of this happening again.

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 2024-10-10 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: NY

Complaint narrative:
Opened On : XXXXPayment : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : XXXX Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX  - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Opened On : XXXXPayment : $ XXXX Reported On XXXX XXXX Due : {$15000.00} Account Condition : ClosedMost Recent Payment : XXXX Responsibility : Individual Payment Type : Installment Months History : XXXX Subject : Formal Complaint Against an existing Credit Bureau Practices Dear CFPB , I am writing to formally address the refusal of the credit bureaus to provide a fresh copy of my contract agreement, including my signature, indicating my consent to pay the alleged debt called ( XXXX XXXX XXXX  - Account no. XXXX or Account Number : XXXX ). Despite multiple requests for validation, they have failed to produce this documentation. Instead, they have escalated the situation by sending threatening and coercive letters to my family residence, which is unacceptable. 

I kindly request that the CFPB intervene to ensure that the credit bureaus comply with my rights under the Fair Debt Collection Practices Act and cease any further harassment until the matter is properly resolved with the appropriate documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX

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

Complaint narrative:
I have noticed that my records with a particular company contain inaccuracies, seemingly mixed with those of another individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I am filing this report to let you know I am a victim of identity, someone is using my identity to open many fraudulent credit cards and Auto loans that I have no knowledge of, my wallet was stolen over 15 years ago at music in downtown XXXX, someone is redirecting my mail from the post office without my permission, I am very upset I'm going through this, I am demanding that these accounts be remove, the accounts is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10 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: MO

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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

Complaint narrative:
I have incorrect and unauthorized inquiries on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I made XXXX large purchases on my Lowes credit card/Synchrony one on XX/XX/XXXX for {$14000.00} and one on XX/XX/XXXX for {$6700.00}. I made a payment on XX/XX/XXXX in the amount of {$22000.00} but was charged {$360.00} in interest. I was told that I should have received a noticed that they are changing the billing cycle. I did not receive this notice they supposably sent out. I have my card set up for automatic payment, but they claim it doesn't matter. I am unjustly being assessed interest on less than a 30 day period based on their proposed billing cycles. This is a predatory lending practice without prior notification. I tried to get the interest removed with no results, so I closed the card. I have excellent credit and pay my bills timely, but this is an unfair practice that needs to be addressed. I will pay the interest so my credit isn't affected but I would ask for your help to stop this ridiculous practice by Synchrony and Lowes.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.

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 2024-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
This account originated in XXXX and I gave them {$4000.00} dollars down for a vacation package. After a year of paying them through the website I was given and the maintenance fees, I tried booking a room and was told they could not book at this time, then I ask when could a room could be booked, they told me to call back. After trying to book a room couple of times with no success I stop paying. After I stop paying they called me about the payment at that time I explain the issue to them, I was told their company is located in the California an only handle payments and any issues with booking is handle through the resort in XXXX. I called the resort in XXXX and ask for arbitration a few months later XXXX collection service contacted me and they added {$4000.00} to the dept. I tried resolve this but its hard when your can only talk to the front desk at the resort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I have no idea how they got there. I check my credit report regularly, and this time there were these random discrepancies. I even refreshed the browser thinking it might be a glitch, but it wasnt. The errors stayed there. Im really upset, and Im asking that the documents I sent be reviewed thoroughly so I dont have to go through this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
tried reaching out several time through email, mail and by phone.

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

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
BlockchainXXXX Bias Based Profiling & Discriminatory Policies In XX/XX/2024 I opened an account with Blockchain.com with clear understanding that I will have a secured wallet and will be able to buy & sell crypto currency. 

When I tried to purchase coins the XXXX site prompted me to go through a mandatory online identification verification to use the options. An online verification process was completed which included uploading my ID and picture. A message was sent that it would take some time to complete the process and then I could start using the services. 

When I didnt receive any feedback I contacted XXXX support to know the status. The response was its under process and soon I will be advised. 

Multiple emails were sent including on dated XXXX XXXX ticket # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ticket # XXXX but the reply is always that XXXX is unable to complete the identity verification. 


Its concluded that XXXX is using bias based profiling and discrimination practices to deny me the full access of my account. The use of such prejudicial practices is against the norm of all business ethics. After being associated for more than 20 years with a XXXX XXXX company and doing banking with XXXX XXXX XXXX other International financial institutions, I find this conduct of XXXX totally unethical & illegitimate. 

I strongly demand strict action against this organization using such unscrupulous & illegal practices, biased base profiling to discriminate against clients. 
Refer to attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
According to 15 USC 1692 C you have violated my rights by in lawful communications please remove this collection off of my credit report thank you

Company response to consumer: Closed with explanation