vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
My account with EQUIFAX 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 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I was unfairly delt to a collection firm for from a insurance company progressive that I cancelled and payed my remaining balance and I have below my documents from paying them for the remainder of my insurance below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi is charging interest after the Final payment was made on time and account was at XXXX balance for at least 4 days as you can see in the statement attached. Citi states they charge interest 30 days late. I never had to pay interest on any card after the final credit card balance was paid in full. Citi is calculating that total amount as if the account was not paid by the due date then adding that after payment as the interest charge. 

I called Citi 3 times # XXXX was hung up on after being put on hold # XXXX spoke with XXXX in XXXX, was put on hold for XXXX minutes after asking f or a supervisor, then hung up on # XXXX spoke with XXXX then transferred to supervisor XXXX in XXXX. he stated he can not remove interest, and that I signed the agreement so I requested that agreement that is signed.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is the only credit bureau that has been unhelpful to me as a consumer. I can't even see my dispute information without having to mail in documents. They require me to mail all documents when I'm just trying to figure out what's going on with a dispute. The automated services have representatives who barely speak XXXX, making it hard to understand the names of lenders or creditors. I feel this is a tactic to prevent proper verification. 

They have us take pictures of our ID and a selfie, only to deny verification. This credit bureau solely relies on this system for verification. XXXX, a supervisor, mentioned that Equifax is controlled by a verification system and that I will have to mail in documents because their system can not verify me. 

When I contacted customer service, representative XXXX transferred me to a XXXX who was not helpful in assisting me. 

Customer service representative XXXX informed me that I need to send an update for my drivers license and a copy of my social security card. When I asked to speak with another supervisor, XXXX told me that my information needs to be updated on my license, even though everything has been the same since my previous dispute. This is frustrating and all because their system can not verify me. 

I also spoke with customer service supervisor XXXX, who mentioned that he could not access my account and did not disclose any information because he did not want to say anything. However, a representative noted something in my charts. 

I was just verified on Monday, XX/XX/year>, and none of this was mentioned to me then. Now, today on XX/XX/year>, I am being told something different. This inconsistency is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: 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 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
I have continued to dispute the information from ECMC and Michigan Guaranty with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these 2 loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the 3 agencies will not allow consumers to protect their identity using a 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 2024-08-07 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: IL

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX  XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXXXXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.

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 2024-08-07 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: TX

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit 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 explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
The XXXXXXXX XXXX  gave me their contact because I have had problems paying my mortgage I have the month of XXXX and XXXX without being able to pay and the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
on XX/XX/year>, XXXX XXXX contacted a family member in regards to debt collection. They revealed information about an outstanding debt. This family member is in no way connected to this account and there is no reason they should have been contacted. 

It was inappropriate to reveal ANYTHING to this party and has directly put me in harm 's way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off of my credit profile. IN know that factual information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit and has caused great financial harm because I can not obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. inquires listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they aren't removed, I will be filling an IRS form XXXX reporting them for unreported income, false/altered XXXX unsubstantiated income, and KICKBACKS, since these companies are paying XXXX to do XXXX with them. I'm also demanding that XXXX pay me {$1000.00} for violation for failure to properly investigate! I will also be filling a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like XXXX is refusing to remove these fraudulent inquiries due to their business relation with these companies if they don't remove them I'll file attached paperwork!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: KS

Complaint narrative:
Despite sending a cease-and-desist letter to Credit Control , LLC in XXXX ( XXXX XX/XX/year> and received by Credit Control , LLC XXXX XX/XX/year> ) XXXX I have continued to receive letters from them. As a consumer, I have the right to request that all communication from a debt collection agency cease. It is disappointing that this request has not been honored by Credit Control , LLC. I urge them to respect my wishes and comply with the cease-and-desist letter that was sent, as it is their legal obligation to do so. Persistent and unwanted letters or phone calls can cause undue stress and disruption, and I expect a professional and ethical approach from Credit Control , LLC in their debt collection practices.

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 2024-08-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: GA

Complaint narrative:
Today ( XX/XX/year> ) An individual who called themselves XXXX XXXX of Bay Area Credit Service from an off shore call center to collect a debt. He was calling for someone who who was not myself. Through the phone conversation he shared very personal information about the individual in question including incident details, amount owed, account numbers, addresses, full names, etc. 

As I am not the personal in question, I found it very frightening that a company such as Bay Area Credit Service would freely give such detailed personal information about someone. 

After the initial call, I called the actual company to inform them what had happened. I spoke with XXXX XXXX, an apparent supervisor, who quickly became rude and defensive when I explained the situation and asked for a copy of the recorded conversation that was has with me so I could submit along with my complaint.

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 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, TRANSUNION ARE NOT COMPLYING WITH THEIR OWN COMPANY POLICIES IN A TIMELY MANNER.

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 2024-08-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, EQUIFAX, XXXX ARE NOT COMPLYING WITH THEIR OWN COMPANY POLICIES IN A TIMELY MANNER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: KY

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

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

I demand the late payment reported in 60 days 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. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX, I cancelled this order, by refusing delivery. 

The merchant promised me a refund within XXXX business days. That time has past. 
Between XX/XX/XXXX - XX/XX/XXXX, I asked the merchant when to expect my refund. 

One told me to wait 7 more days. I attempted to speak with one of their agents, who said wait 14 days. One had me fill out an " incident report. '' They all give me different answers.

They are just giving me the run around.

Now, when I attempt to speak with an agent regarding this issue, I just get transferred from department to department, until they disconnect my chat.

I have no other option but to file a complaint.

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 2024-08-07 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: Central Portfolio Control Inc.
State: IN

Complaint narrative:
On XX/XX/2024 I sent out a dispute to resolve the collection in the amount of XXXX and {$680.00}. That was on my credit report. There was no resolve and XXXX still receiving collection notices every month.

Company response to consumer: Closed with explanation