vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXXarrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with THD/CBNA. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

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 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I requested the original promissory note have not recieved anything from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I've tried to give this car back not only they close account on loan but the loan was outrageous XXXX for a then XXXX car that ben in XXXX accidents they charged me almost the price of car in interest made it to where I couldn't trade in this car has not ben driven in a year they keep adding more on to a close account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX  .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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!

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check into my account the check was made out to my close friend XXXX XXXX the check was for {$94000.00} and I was assured by XXXX tellers this would not be a problem and they had me sign the check and deposited it and a few days later I was told the money was in my account but my account is frozen and I needed to come in with my friend XXXX XXXX and we came to the bank and they called to get my account unlocked and asked for XXXX phone number and when he gave it to them they told us it does not show up on there system registered to his name so we went and bought another phone XXXX XXXX  contract came back with the phone and the bill in XXXX name and again they said it will take XXXX to XXXX months to show up in his name now Chase has had this money since XX/XX/XXXX and my account is gone my mortgage is do so is XXXX his credit cards are all over drawn he sold his mineral rights to get this money and Chase will not release this money we have both been in the bank we both have ID XXXX has a Chase credit card and his number is attached to that account Chase have spoke to the writer of the check as well as the bank it was drawn on the money has been pulled out of the issuers account and into mine and Chase will not release funds they wont sent the money back to the issuer of the check there is no fraud this is just destroying both of our lifes this money belongs to XXXX we have done nothing wrong everything has been confirmed all this over a phone number that doesnt come up in there system yet its attached to his Chase credit card please release these fund or send them back to the bank you took them from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my experience credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Promptly delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 They are supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate

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 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient was my student loan servicer for years. They did not advise me about IDR programs and work to get me into a plan that would help me pay my loans back without all the interest. I graduated in XXXX  and owe as much today as I did in XXXX.

Company response to consumer: Closed with explanation