vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: SC

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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I originally reported the account- Barclays Bank Delaware ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to Wyndham XXXX  putting a credit card in my name and charging it. XXXX removed the account, but XXXX and XXXX did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XXXX XXXX, 2024 and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with XXXX and XXXX that the account was closed. The credit card company still reported the account as active. 

I called back on XXXX XXXX. 2024. They confirmed that the account was closed and stated that it would take XXXX  days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within XXXX business days. I did not. 

I called back XX/XX/year>2024 and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take XXXX  days. I told her that I was first told XXXX - now she's saying XXXX. She said it takes up to XXXX billing cycles, not exceeding XXXX  days. XXXX billing cycle is XXXX  days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.

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 2024-07-11 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:
I am submitting this complaint personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
I would like to address the reported late payments on my XXXX account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted XXXX and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from XXXX several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this 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 non-monetary relief
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
I would like to address the reported late payments on my XXXX account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted XXXX and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from XXXX  several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: GA

Complaint narrative:
I would like to address the reported late payments on my XXXX account. Due to a payment processing error, my XXXX of XXXX payment was not auto-drafted as scheduled. Unaware of this issue, I continued making my payments on time each month ( even sometimes early as evidenced in the report ). However, the loan department misapplied each payment to the previous month, causing my account to appear delinquent. I was only made aware of this error upon reviewing my credit report and contacting the lender for clarification. You will even notice discrepancies in the reporting on my credit profile as some months were not reported at all. I contacted XXXX and they acknowledged the error but were unwilling to correct the report. I have always made my payments on time as agreed. Finally the last payment in XXXX of XXXX was not even my responsibility. I traded this vehicle in for a XXXX through XXXX XXXX in XXXX of XXXX. The dealership requested information for the payoff from XXXX several times but the issue was not resolved in a timely manner and this reflected on my credit report even though I had sold/traded in this vehicle at this 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 2024-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear Cfpb ; NTL Recovery Agency ; XXXX XXXX ; I am writing to address an alleged account totaling {$8500.00}, which I have no knowledge of and believe to be associated with fraudulent activity. Despite disputing this matter with the credit reporting agency, they have informed me of your confirmation of its validity. I wish to clarify that I have never engaged with your agency or the original creditor in any capacity. 

Furthermore, the reporting inaccuracies surrounding this account constitute a direct violation of the FCRA and FDCPA. In the interest of resolving this issue amicably, I must request documented proof of this debt, specifically any alleged contracts or agreements bearing my signature, and confirmation of your authority in this matter. Without such substantiation, I demand the immediate correction of any erroneous credit reports related to this debt. 

To facilitate a swift resolution, please provide the following information : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I assert my right to privacy, and under 15 U.S.C. 604 ( a ) ( 2 ), I demand that no information be furnished without my explicit written consent. I insist on an immediate cessation of all communication and collection activities related to this account. Furthermore, I request the prompt removal of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights as outlined in the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : False, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-11 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: CA

Complaint narrative:
In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is non-permissible for a creditor to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights, and I am demanding the deletion and removal of all the listed accounts 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 non-monetary relief
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is non-permissible for a creditor to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights, and I am demanding the deletion and removal of all the listed accounts Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
I checked my credit report and was saddened by the content of the report. There are still some inaccurate accounts showing up on my credit report but I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.

Complaint narrative:
I have been a Mercury XXXX user for the past three years. Recently, my account was accessed by an unauthorized user, likely a hacker. When I reported this issue to the Mercury team, they blocked my account and mistakenly sent a {$14000.00} check to the hacker 's address. Despite providing all the necessary proof, including video evidence of my passport, personal ID, registered business address, primary XXXX account associated with my bank account, and LLC documents, I have received no response from the team for a week. I am worried that the unauthorized user might withdraw the {$14000.00}. Fortunately, they have not done so yet. However, due to their lack of response, I am at risk of losing my {$14000.00}. It's acceptable if they want to close my account, but they should at least send the funds to my correct address after verifying my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I have made a charge for a luggage at the XXXX counter in XXXX for my domestic leg XXXX XXXX ) flight. According to the Barclays XXXX XXXX XXXXredit card the first luggage on the domestic flight portion is free. At the XXXX desk I was told that the discount will come as credit from the Barclays Card directly. Unfortunately it didn't. 
On XX/XX/XXXX I called their XXXX based customer service and the agent was extremely rude and unprofessional. She not only would talk over me but attempted to reroute the call to the XXXX instead of disputing the transaction. She also indicated that the dispute term is only one billing cycle making me ineligible to dispute the purchase when it fact the federal law mandates at least 90 period for dispute resolution. Subsequently I requested to speak with the supervisor in the US however after a long hold I was told that nobody is available to speak to me. 

It is very disturbing that Barclays ' Card prevents its members from disputing the purchase and instead it wants them to deal with merchants directly. This is not what the federal legislation protecting customers dictates and it shows a very bad faith play by the bank.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2024-07-11 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: Experian Information Solutions Inc.
State: MA

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 explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I SEND XXXX A DISPUTE LETTER AND NO ANSWER ABOUT THIS ACCOUNT SHOWING ACTUAL DATES BEING REPORTED AND A BALANCE AND THIS ACCOUNT IS A CHARGED OFF

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