vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: NJ

Complaint narrative:
My account with XXXX  XXXX 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 XXXX AND XXXX 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 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 2024-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am disputing an additional months lease payment and reporting to credit bureaus 30 days late. My 36 month lease paid all payments timely. Lease matured XX/XX/XXXX. I was out of the country for XXXX weeks until XX/XX/XXXX. Prior, I kept regular communication with my dealer regarding my next lease. Upon my return, I phoned GM Financial and let them know I was out of the country and pending a new lease. GMF told me they to turn in by Friday, the XXXX, and if not give them a call. Well, I attempted to turn in my vehicle on Friday, as we agreed, and when I phoned the dealership, they stated they weren't doing anymore inceptions today, and it would have to be Monday. I explained my vehicle lease matured on XX/XX/XXXX, and GMF told me to turn in by Friday. The dealer told me I would be ok to turn in on Monday no worries, we aren't taking more vehicles today. Vehicle turned in Monday morning, all ok. In late XXXX I received a bill for excess miles, wear and tear, a disposition fee, and an added {$780.00}, for going past Friday, the XXXX, despite the dealer not taking the car back at my attempt. I phoned GMF multiple times, requested a supervisor on XXXX occasions, each of which I was told none are available, and one should phone you back in XXXX hours. Despite all my requests to resolve, a supervisor did not phone me until XX/XX/XXXX. This was after they had reported me late on this new bill, after I had a XXXX balance previously, having paid all payments timely in full. The website nor customer service would allow me to pay the disposition and other fees, only the {$2200.00} end of lease bill I was disputing. Furthermore there was a lack of transparency about a time I would be reported to the credit bureaus, at no point in a dozen phone calls. My bills came XXXX stating due immediately, no date specified. GMF is rigid and inflexible in their policy, despite their missteps in which their websites have malfunctioned, no call back from supervisor, no method of recourse outside of a customer service rep, and just general lack of follow-thru and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This account in question is now considered a certificate of indebtedness and should be regarded as income. Under federal law, income can not be reported on any credit report, and I request the immediate removal of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: MI

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.

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 2024-10-25 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE OPENED THIS ACCOUNT FRAUDULENTLY

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CO

Complaint narrative:
Square Cash ( XXXX XXXX XXXXXXXX ) has disabled me from using my account and has also deactivated the account as well with my funds. I tried to make a transfer using a debit card, in three failed attempts the account need identity verification. After attempting to prove my identification I was denied access to transfer funds off of the account nor spend the amount of funds on the account. Then Square wanted me to prove documents that my business existed in order for them to proceed with the account verification. I tried explaining to everyone on the phone what was happening and they denied my request of telling me reasons behind the disclosure of my account. The customer service was no help and my account should have never been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I was shocked to see inaccurate accounts pop up on my credit report this morning, and I have no idea how they got there. I check my report regularly, and everything has been fine until today when these unexpected discrepancies appeared. I even refreshed my browser hoping it was just a glitch, but it wasnt. The incorrect accounts stayed. Now, Im asking that the documents Ive provided be reviewed carefully so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
My account with this company 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.

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
I am writing to formally challenge the validity of an account reported by XXXX, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that XXXX may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature. 
A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to XXXX for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
I am writing to formally challenge the validity of an account reported by XXXX, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that XXXX may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature. 
A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to XXXX for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-25 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: IN

Complaint narrative:
please be advised this is the third written request and final warning that I fully intend to pursue litigation in accordance with the fcra to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued willful negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the fcra to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all hard inquiries.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, XXXX, and Equifax demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Can not login into their online account payment system to pay bill. 99 % of time can not reach customer service to get help. They are charging me late exorbitant late fees when the problem of reaching them is on their end. Finally reached them and they will not unlock my account and will not quit charging me fees. Charging me {$90.00} plus dollars in late fees for an account I can not access. They are reporting non payment of late fees and interest to an account they are not letting me access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan, a credit card, and other accounts from XXXX with a balance {$370.00}, XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX with a balance of {$250.00}, XXXX with a balance of {$3900.00}, XXXX with a balance of {$26000.00}. These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan, a credit card, and other accounts from XXXX with a balance {$370.00}, XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX with a balance of {$250.00}, XXXX with a balance of {$3900.00}, XXXX with a balance of {$26000.00}. These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-10-25 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: MA

Complaint narrative:
XXXX XXXX & Equifax still showing a balance on a credit card from ( XXXX XXXX  ) that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.

Company response to consumer: Closed with explanation