vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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 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 1637 ( 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 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: RenoFi Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, the underwriting bank disclosed fees to me that were not previously mentioned by RenoFi. Then RenoFi, only upon my persistence stated in email their origination fees would be 2 % of the loan cost. This is after the lender pushed me to increase my loan amount. I then sent them an email showing they advertise that the fees would not exceed 1 % of the loan cost and they replied with Not sure why it says that but unfortunately, we can not. 2 % is our origination fee for our Renofi HELOC

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
In XX/XX/year> I submitted a request to freeze my minor child 's credit. In XXXX, I received a response stating that I had not supplied all necessary documentation. I had in fact supplied all necessary documentation listed in the Equifax form. So I resubmitted the application, with all documentation requested, in early XX/XX/year> ( along with a copy of their letter ). On XX/XX/XXXX, I received a letter from Equifax dated XX/XX/XXXX that again claimed they were unable to process my request for a security freeze on my minor child 's credit report. This time, they did not provide a specific explanation as to what forms were missing or the reason for their inability to process the security freeze request. I have had not trouble implementing security freezes with the other two credit bureaus : XXXX and XXXX. I encountered similar difficulties with Equifax ( and only Equifax ) when attempting to implement my XXXX XXXX XXXX  credit freeze two years ago, and I had to submit a similar CFPB compaint to this one in order to get Equifax to implement the requested freeze ( complaint XXXX XXXX and XXXX ). I suspect Equifax is intentionally delaying implementation of credit freezes in order to have more credit files accessible to their paying customers ( lenders, credit card providers, etc ). I kindly request CFPB investigate this suspicious practice from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a XXXX XXXX treatment plan from XXXX ( Parent Company : XXXX XXXX XXXX ) on XX/XX/XXXX ( according to the debt collector XXXX XXXX ). I was told XXXX does not handle their financial collections in-house but through Ally Lending ( at the time ) and they were going to set me up on a payment plan, but I was told that I could pay it off in full or in larger sums if I wanted to. I had my first appointment on XX/XX/XXXX and decided I wanted to pay the treatments off in full so I didn't have to worry about making payments so I called Ally Lending on XX/XX/XXXX and made the full payment over the phone for {$4700.00}. I have documentation in my bank statements of this payment to this company. I continued to receive mail from this lending service, saying that I still owed the full amount and was being charged interest. So I called Ally in XX/XX/XXXX telling them about the mail and after providing documentation, I assumed the matter was resolved. I continued to receive the same debt mail from this lending company for months after, but I didn't think anything of it and thought they were sending it to me by accident because I 1. had already paid, and 2. I called them to resolve the issue and they said it was resolved. Now it is XX/XX/XXXX and I am receiving calls from XXXX XXXX debt collectors saying that I still owe the {$4700.00} and they have no documentation of me ever paying. So now I am trying to resolve this all over again by giving them a copy of my bank statement showing that I paid the full amount almost 2 years ago. I just checked my credit score and this specific issue has dropped my score well over XXXX points ( I previously had an almost perfect score ). This has been an absolute nightmare and not only am I having to deal with the tedious task of getting this resolved. I also have to prove that I've been falsely reported for debt with creditors so I can attempt to fix my credit score. It's not fair for someone who has done the right thing, paid all the bills on time, etc to have to experience detrimental damage to their credit score ; which is one of the hardest things to resolve and necessary to be eligible for pretty much anything.

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 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I requested that Santander reposse a red XXXX XXXX XXXX XXXX. They told the tow company to pick up our XXXXXXXX XXXX XXXX XXXX 
Santander recorded two seperate conversations between myself and my husband where we specified the vehicle multiple times on Monday XX/XX/XXXX. 

I have called and hoped to have the issue resolved. I will update this complaint if anything else happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MicroBilt / PRBC (formerly CL Verify)
State: MO

Complaint narrative:
I am sending my request through this being I have sent in a request for my report but Microbilt act as if they never receive my request. " Please see attached ''

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding a charge-off account from Nissan Motor for a vehicle, which is close to seven years old. This account appears to have been sold to various collection agencies, and I am now being subjected to threats and simultaneous collection attempts from multiple companies. Additionally, I have noticed discrepancies in how this account is reported across credit bureaus. One bureau lists the account as a " Profit Loss, '' while another lists it as a " Charge-Off. '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), charge-off accounts can not be reported on credit reports for longer than seven years from the date of the first delinquency. Furthermore, if an account is reported as " Profit Loss, '' it must reflect a XXXX balance and be marked as a closed account, as the debt is considered written off by the creditor and no longer collectible. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d and 1692f ) prohibits debt collectors from engaging in harassment, threats, or unfair practices. Attempting to collect the same debt through multiple agencies simultaneously is deceptive and may constitute a violation of federal law.

I request that the Consumer Financial Protection Bureau investigate this matter to ensure : The charge-off account is removed from my credit report promptly as it approaches the seven-year reporting limit. 
All discrepancies between the reporting of this account by different credit bureaus are corrected, with the account showing a XXXX balance and a closed status if classified as " Profit Loss. '' All collection activities related to this account cease especially any duplicative or misleading efforts. 
Nissan Motor and any associated collection agencies comply with federal laws and provide proof of debt ownership and validity if they intend to continue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-19 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.
State: CA

Complaint narrative:
It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within XXXX XXXX XXXX of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft 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 2024-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within XXXX XXXX XXXX of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
What Im seeking is a fair resolution, which involves the removal and blocking of these inaccurate accounts from my credit report immediately. I sincerely hope this issue is resolved soon so I can be free of the XXXX it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX 
Acct : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX ACCT : XXXX. 
XXXX XXXX AND XXXX. 
Acct : XXXX. 
XXXX XXXX XXXX. 
Acct : XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-19 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: IN

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX XXXX  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! 


Update the late payments from my consumer reports

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 2024-11-19 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: IN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


XXXX EXPERIAN 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 XXXX XXXX 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! 


Update the late payments from my consumer reports

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 2024-11-19 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: EQUIFAX, INC.
State: TX

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 2024-11-19 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: Experian Information Solutions Inc.
State: TX

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 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$570.00}

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 2024-11-19 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-11-19 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account was used to draw {$3500.00} to an unfamiliar account. TWICE. Chase never once gave me any sort of alert that an amount that large was even moving somewhere outside of my account. The way I had to find out was when I couldnt pay for the XXXX to go home. I live check to check and that money was being saved by my boyfriend and I. XXXX is coming up and I just feel so vulnerable knowing a stranger can freely go into Chase accounts like this with ease.

Company response to consumer: Closed with explanation