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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under XXXX XXXX Code XXXX ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least 21 days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid 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 2024-11-19 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: MA

Complaint narrative:
The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under XXXX XXXX Code XXXX ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least 21 days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease and desist from any further communication with me regarding the above-referenced account, as well as any communication with my employer or any other third parties regarding this debt without my authorization. I have been capturing screenshots for all of the calls over the past several weeks and will include them in any potential lawsuit. 

Please confirm in writing that you have received this notice and that you will cease all communications with me, my employer, and any other third parties. 

If you fail to comply with this request, I will take appropriate legal action to enforce my rights under the FDCPA, including filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's office.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against XXXX and Experian for XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally file a complaint against XXXX and Experian regarding XXXX inaccurate reporting of information related to my XXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my XXXX XXXX. Enclosed are my recent credit card statements and screenshots demonstrating that XXXX has deducted XXXX points from my XXXX XXXX, while Experian has also shown incorrect updated information on my credit report. 

These inaccuracies have caused me undue stress and XXXX affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that XXXX and Experian correct these errors in my credit report. 

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

Sincerely,

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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

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

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

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

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

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

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent acccount on my report. Please remove these accounts from my credit, they are hurting my ability to obtain credit

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 card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I received an email in XXXX, saying that my terms and conditions with my Fortiva Account were changing and they pretty much going to charge me {$100.00} USD every year. The problem was that this email was sent to spam. 

The email said that me not doing anything about was a confirmation of the new terms, if I wasn't on board with them I would have to email them back saying no, but since this email went unnoticed because it went straight to spam, I never saw it. 

And now they're trying to charge me out of {$100.00} because it was on the email I never read nor agreed to. 

No signs or agreements on my behalf were ever agreed. They just suddenly did this to everyone, expecting from us to pay {$100.00} when no agreement was ever signed. 

This is what's wrong with this credit card companies like Fortiva, they just empty the pockets of the people who are trying to get by. Fortiva is scamming the people hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I electronically deposited checks into my account.Totaling $ XXXX checks are all legitimate, not fraudulent. Since they are able to verify the XXXX XXXX XXXX XXXX 
Or frozen my account and they have previously made transactions between my XXXX accounts to their benefit. But refuse to give me my money because of a phone problem. THIS IS IN REGARDS TO CHASE BANK

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: FL

Complaint narrative:
Despite previous disputes filed with XXXX and XXXX ( on dates provided ) under FCRA XXXX for identity theft accounts XXXX XXXX XXXX XXXX  ), these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA XXXX, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. XXXX rectification is necessary to prevent further harm. 

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite previous disputes filed with XXXX and Equifax ( on dates provided ) under FCRA XXXX for identity theft accounts ( XXXX XXXX XXXX XXXX, these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA 611, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. Immediate rectification is necessary to prevent further harm. 

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX We recently sold our house ( XX/XX/XXXX ). The process with XXXX XXXX XXXX XXXX XXXX I called and requested pay off on XX/XX/XXXX. Was told I had to request by email. I sent the email on XX/XX/XXXX. The first XXXX emails came back undeliverable. I called and clarified the email address and was told it was an error on my end. After XXXX failed emails all with the correct email address, the operator said he would make the request for me and that it would take XXXX business days no exceptions. We should have gotten pay off and wire instructions on or by XXXX/XXXX/XXXX which we did not. 

Fast forward to closing day, The closing attorney 's office also called and requested wiring instructions for the pay off. They were told XXXX XXXX would not talk to them because they were not on the loan. I called and authorized the Attorney 's secretary to get information for payoff. This was on XX/XX/XXXX We closed and still had not received payoff instructions. I called everyday ( despite limited cell phone service due to XXXX XXXX ). 

I finally received pay off and wire instruction on XX/XX/XXXX. The XXXX office promptly sent the wire on XX/XX/XXXX. They received confirmation on XX/XX/XXXX Now to my issue. 

My account has been reported by XXXX capital as being 30 days late twice, Once XX/XX/XXXX and again XX/XX/XXXX. Both are incorrect and need to be removed from mine and my wife 's credit report. 

Had XXXX XXXX done the right thing, I would not have had to fight so hard to get the payoff/wire instructions. which would not have made the payment go past 30 days in XXXX and the account was paid in full on XX/XX/XXXX so there is no way the account was late on XX/XX/XXXX. 

I need/request these late payments be removed from mine and my wife 's credit report ASAP. 

All calls are recorded with the company, you can listen back to the numerous times I have called and requested pay off, requested to speak to a supervisor ( I have never to date been called by a supervisor ) and requested to speak to someone to have these removed. 

We are in the process of refinancing our current house and can not move forward until you remove these fraudulent and incorrect reports on our credit. 

Attached you will see how it's being falsely reported. 

The account was paid off in XX/XX/XXXX so that is incorrect and had your customer service team done its job, we would have gotten the pay off when it was requested, and the account would have been paid off on XX/XX/XXXX

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: IA

Complaint narrative:
This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of XXXX  which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this information.

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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
They sent an email to me about my mother 's debt, it had all the info for the debt including the amount. I wasn't on her account. This is wrong of the. To send me an email with her debt information.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I received Experian credit report # XXXX, which includes an account from XXXX XXXX XXXX XXXXXXXX ). While this account was marked as " updated, '' numerous discrepancies remain unresolved. These inaccuracies negatively impact my creditworthiness and create significant issues. 
The following discrepancies in the account were identified : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and Experian report {$2600.00}, while XXXX reports {$2500.00}. 
XXXX XXXX : Inaccurate credit limit. XXXX and Experian report {$2500.00}, but XXXX reports {$0.00}. 
XXXX XXXX : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match across bureaus. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and Experian report XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
These discrepancies demonstrate Experians failure to ensure the accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information. Additionally, Experian has not provided a detailed explanation of how this information was verified or the procedures used, as required by the FCRA. 
Impact of the Issue : These inaccuracies are harming my credit score, damaging my financial reputation, and limiting my ability to access financial products on fair terms. XXXX negligence has caused unnecessary stress and financial difficulty.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is trying to charge me almost {$34000.00} of a line titled uncollected fees due on my payoff letter I received. They are claiming that I owe this money from a XXXX month deferral during XXXX. My principal never changed XXXX bit, and so this is all for an interest payment they claim I owe. I would like to file a dispute/complaint against this claim. I have been with Bank of America for almost 30 years, have done both of my home loans through them, and been a platinum member for more than a decade. this home loan in general has been nothing short of a nightmare. There have been multiple issues with BofA throughout this XXXX year process. Once the dust settles I will no longer bank with Bank of America, nor will I do any type of business with them anymore.

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