vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: MN

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

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

I demand the late payment to be updated.

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

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


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I was A Victim of Identity theft and someone used my information to open Bank Accounts Under My Name And collect money without my consent or knowledge!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have sent several letters to Credit Acceptance in regards to this loan, its not mine. They have not responded or acknowledged my concerns.

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 2024-12-18 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reported by Toyota Financial Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment reported by Toyota Financial Services on my credit report. According to the report, a late payment has been incorrectly listed on my paid-off account with Toyota Financial , which I believe is erroneous. 
I have reviewed my account and payment history with Toyota Financial Services and can confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that Toyota Financial provide documentation or proof of any alleged late payment to substantiate their claim.

Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late. 
XXXX. A detailed payment history for the account, showing any delay in payment, if applicable. 
If Toyota Financial is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file. 
Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
My debit card was skimmed, and the thief made XXXX large transactions on XX/XX/XXXX : ( 1 ) XXXX XXXX  in XXXX XXXX NY : {$3900.00} ( 2 ) ATM withdrawal in NY : {$980.00}, plus {$3.00} ATM fee I received a text about a potentially fraudulent transaction, and I immediately called Chase support ( on XX/XX/XXXX ). During this call, I learned the thief had gotten into my online account and changed my email address, physical address, and phone number associated with the account. 

During this first call, I was told the charges would be reversed on my account number within 5 business days. I also was told I would receive a new debit card and PIN number in the mail. Neither of these two have happened. 

Having not heard an update, I called Chase today ( XX/XX/XXXX ), and I learned the claim was denied. Their reason for denial was that the transactions were made using a physical card and a PIN number. However, I have been in California since XX/XX/XXXX, I have possession of the debit card, and therefore it is impossible that I made these charges. 

Further, I have never made a purchase of this type on my checking account. All withdrawals to date have been to pay Chase credit card bills and ATM withdrawals less than {$1000.00}. 

Chase is attempting to deny this approximately {$5000.00} claim. I am XXXX XXXX XXXX, rent is due soon, and this is a major concern to me. I need the money back as soon as possible, and as promised by Chase over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
this has been going on for a year... 


They have my drivers license copies of my bank statements, copies of my pension copies of my wife bank statements, and still wont release my funds & will not talk to me on the phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Credit Reporting Violations by XXXX, TransUnion, and XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit reporting agenciesXXXX TransUnion, and XXXXfor ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy.

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses.

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by XXXX, TransUnion, and XXXX. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

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 2024-12-18 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:
Subject : Complaint Regarding Credit Reporting Violations by XXXX, XXXX, and Experian Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit reporting agenciesEquifax, XXXX, and XXXX ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy.

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses.

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by XXXX, XXXX, and Experian. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

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 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MS

Complaint narrative:
Currently my student loans only need XXXX payment to be eligible for forgiveness. 
I submitted employment certification form for XX/XX/year> to StudentAid.gov During this time period I made XXXX payments to mohela one for XXXX and XX/XX/year>. I made another payment in XX/XX/year>. I was notified via email that my loans were placed in forbearance in XX/XX/year>. 
I spoke with a representative from mohela and she told me that my loans have been in forbearance since XX/XX/year>. How can my loans be in forbearance if my statements report I am in repayment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I have a lot of credit card debt across multiple credit cards. I'm working on a plan to consolidate that debt onto lower interest cards to help me pay down my debt. I was able to transfer my balances to XXXX XXXX interest cards for all of my credit cards except one - PROSPER bank. PROSPER has the HIGHEST interest rate of all my credit cards, at a whopping XXXX XXXX I pay the minimum balance each month, because that's all that I can afford right now. For example, last month ( XX/XX/year> ) I paid the {$37.00} minimum balance and got charged {$27.00} in interest, so the balance only decreased by {$9.00}. The balance is about {$990.00}, once the XX/XX/year> interest charge gets applied. When attempting to perform a balance transfer to my PROSPER credit card account, paying it off with a XXXX XXXX interest card that I just obtained, I received an error that the card number was invalid. I tried it multiple times. I thought it was me. I have a friend was willing to obtain a credit card with a XXXX XXXX balance transfer offer for me, and attempt to pay off the card for me. This time, he received a similar error from HIS bank that the card number was invalid. 

Multiple banks ( credit card issuers ) were now saying that the account # XXXX XXXX XXXX XXXX is an invalid credit card number. I called PROPSER at XXXX on XX/XX/year> to ask them why I can't do a balance transfer from another bank to pay off my credit card. I asked if there was some sort of restriction or something on my account that could be causing this. 

" CJ '' at PROSPER said that PROSPER does not allow balance transfers to or from another credit card account. It's their policy. That seems absurd to me. So the credit card with the highest interest rate of all my credit cards will not allow me to pay it off with a lower interest card? How could that be their " policy ''? Why do they care where the money is coming from? This feels predatory, and doesn't sit right with me. I can see no other reason for this policy other than to ensure that I'm forced to continue to pay them high interest rates for years. I'm finally making efforts to improve my financial future, and PROSPER seems to have policies in place designed specifically to prevent that from happening. 

I'd like to be able to transfer my balance to a XXXX XXXX interest card that I obtained specifically for this purpose.

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