vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Certified Letter was sent to Barclays Bank DE Certified on XX/XX/year> it was signed for with tracking number USPS XXXX on XX/XX/year> requesting verification of account bearing my signature. No response within the 30 day period. On XX/XX/year> I sent another letter tracking number USPS XXXX that was signed for on XX/XX/year> notifying that I had never received any accurate findings and they were in violation of replying in a timely manner as specified by federal law. No response within the 30 day period. On XX/XX/year> I also followed up with a letter tracking number XXXX XXXX that was signed for on XX/XX/year> that stated they did not add any notice of disputes for the letters received on XX/XX/year> and XX/XX/year>. They are in violation of the Fair Credit Reporting Act. I have copies of all letters sent and time stamped documents of these findings against this company.

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 2024-07-30 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: VA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 2024-07-30 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported to be removed/updated.

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed/updated.

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: VA

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Mercury Financial Intermediate LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX, has failed to respond to the following Company did not respond to my requests for arbitration via XXXX XXXX XXXX dated XX/XX/2023 YOUR XXXX CASE XXXX and verbally, when disputing Boost Mobile Transactions as agreed by representative regarding OVER BILLING ( {$310.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened this account over 10 years ago but never funded it or created an online profile. I requested closure however continued to receive XXXX statements for over XXXX years. I'm appalled the account wasn't closed after all this time of no activity. Today I called to close the account and inquire why it was still opened. I verified all of my information however could not proceed because I didn't have the cvv of the debit card. Mind you the account is over XXXX years old and the card should be well expired unless the mailed a replacement to an address I no longer reside at. I was denied the ability to close the account and speak to a supervisor that could help me. When I called back to ask follow up questions I was no longer able to reach a customer service representative and potentially blocked as I called XXXX different contact numbers and unable to reach anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the solar company XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. 

After this they have repeatedly denied they are responsible and constantly claimed that they are the financier. They have done nothing to rectify the matter. On XX/XX/XXXX I placed on a payment plan, I agreed to make my first payment on XX/XX/XXXX. I received a slew of emails and messages that made me make a payment when we had already agreed to an XXXX debit transaction. On XX/XX/XXXX, they took XXXX payments and refused to retuned the funds for the overpayment to my checking account. When I spoke to a XXXX she stated that I made an error. I was like, how did I make an error when XXXX payment was already credited to the account. When I asked assistance, I was told that there was no one to assist or refund my money for the excess payments! I was bombarded with text messages and emails that had me paid more than once, this is bullying and it needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-30 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: GA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify 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 suppose to 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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A hold was put on my savings account on XX/XX/XXXX for {$2200.00} which resulted in my account being negative of {$1800.00}. Then on XX/XX/XXXX they transferred {$100.00} from my checking account which left that account in the negative as well. I called my bank several times and then went into the office where I was given a number to call portfolio recovery for answers and then told that my bank sent me out a notice and I had to wait to receive it. I waited until XX/XX/XXXX when I received a letter from my bank which didnt give me any new information than to call portfolio recovery. Then I called them again and still only received a voicemail stating to leave a message. On Monday XX/XX/XXXX I received a letter from portfolio showing paperwork stating I owe them close to {$1500.00} and then fees they were adding on. The letter was dated XX/XX/XXXX and stated that I have 15 days from that date to file a petition intervention. The latter was stamped on XX/XX/XXXX from a zip code XXXX and then stamped by XXXX post office on XX/XX/XXXX. I have no clue of whom I supposedly owe this money to nor did I ever receive any documentation until yesterday from them. They are also requesting that I fill out paperwork stating what my monthly income and bills are. I am on XXXX ( fixed income ) and I can not afford to have my accounts overdrawn like this without knowledge or my day in court. 
Thanking you in advance for any assistance you can give me,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
This is my 9th attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXXXXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section

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 2024-07-30 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: NY

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I purchased a used XXXX  They sold it to me a certain interest rate and the XXXX was supposed to paid off last spring XXXX but now they are saying theres more interest to pay

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 2024-07-30 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: TX

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 third 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 2024-07-30 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: NY

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 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  15 U. S. C. 1681 section 602 A. 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 an 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 then records of convictions of crimes which antedates the reports by more then seven years 15 U. S. C. 1681s-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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I had XXXX fraud transactions take please on my debit card via XXXX XXXX ( XXXX XXXX is not set up on my phone ). They ( JP Morgan Chase ) closed the card, refunded me and sent a new card out. On XX/XX/XXXX I received a letter stating that the charges were done via XXXX XXXX and deem it valid so they are rebilling my account. I called on XX/XX/XXXX the date I opened the letter to advise them I dont have XXXX  XXXX  on my phone and they said there is nothing they can do cause they seem to think it was on my phone. I advised my Card number may be linked to someone else XXXX XXXX but if you pull up my phone a chase card was never registered past or present nor any card beside XXXX XXXX previously. When I asked them to verify if it was my device they refused. Im filing a complaint as it is possible XXXX was the method used but I am Certain my device nor any device in my home is associated with these fraudulent charges and Im extremely disappointed in the lack of protection and backing demonstrated by my bank.

Company response to consumer: Closed with explanation