vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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 XXXX, XXXX XXXXXXXX XXXX XXXX XXXXF ) 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 ( 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. 


( XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 2024-07-25 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:
As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-25 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: FL

Complaint narrative:
I've been participating in the dispute process with Transunion since 2019. Transunion has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. Transunion refused to provide me a copy of the free Annual Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There's been several investigations, and Transunion has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. XXXX  XXXX is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to Transunion, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.

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 2024-07-25 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: CA

Complaint narrative:
Urgent Request for Investigation and Removal of Fraudulent Account and Credit Report Inaccuracy** EXPERIAN XXXX XXXX INQUIRY 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 XXXX XXXXXX/XX/XXXX PLEASE REMOVE FOR THIS IS NOT AUTORIZED AND IS 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 2024-07-25 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: CA

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 2024-07-25 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: PNC Bank N.A.
State: TN

Complaint narrative:
We sold a $ XXXX tree saw to a person that used the name XXXX XXXX. We sent him an electronic invoice from our XXXX XXXX account, which he paid in XXXX separate transactions via XXXX separate credit cards : XXXX for {$5000.00} and XXXX for {$7000.00} on XX/XX/year>. He contracted XXXX  XXXX XXXX to pick up the Tree Saw from our location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX and deliver it to him at XXXX XXXX XXXX XXXX XXXX, IN XXXX, which they did for {$2700.00}. On XX/XX/year> we received XXXX chargebacks for the complete amounts of {$5000.00} and {$7000.00}. We immediately submitted all our information indicating that this was a legit transaction, or so we thought, and submitted it through XXXX XXXX 's online chargeback process. We waited for a reply from PNC bank, and they declined it and sided with the fraudulent purchaser. I then called PNC 's fraud department directly and they refused to talk to me. They said I needed to go through XXXX XXXX for any further communication. So, I called XXXX XXXX again and they refused to help any further, as well. We sold a $ XXXX tree saw to this person, and he's screwed us out of our money. The transport company found a potential address for a XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX and he used two different emails between us and the transport company : XXXX and XXXX and the cell number he was using was XXXX. I'd like this guy arrested, either our tree saw returned or PNC to give us our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Regarding a loan for a XXXX XXXX XXXX XXXX financed through : Kia Finance America ( PAYMENT address ) XXXX XXXX XXXX XXXX, TX XXXX kiafinance.com OR Kia Finance America XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The amount financed was {$40000.00} at 6.49 % for 60 months, with the first payment due XX/XX/XXXX As of XX/XX/XXXX we have made XXXX on-time, and over-amount payments totaling {$13000.00} The regularly scheduled monthly payment amount is {$790.00}. 
XXXX payments of that would be : {$11000.00} Based off of standard amortization tables, our balance after 15 monthly payments should be approximately {$31000.00}, but instead is over {$37000.00} And we have paid {$1000.00} MORE towards the principal than even required. 

There seems to be discrepancies between the website payment tracking and the printed bills. There also seems to be mathematical errors in the processing of the payments, with our balance increasing after payments, rather than decreasing. 

Since initiating this loan, we have had several problems. Payments were missing or late on the printed statement. We even received mailed Past Due notices, despite the payments being accurately recorded on their website. 

Called in XX/XX/XXXX, about missing/late payments. According to mailed statements, payments were missing despite them showing up on-line in payment history. ( We had received a Past Due notice ) Names on the online account were incorrect. ( My name on the statement was replaced with my wifes name, who is not the vehicle owner or even listed on the account. ) Called Customer Service on XX/XX/XXXX regarding continued inaccuracies in the balance calculations and recording of payments. They were supposed to investigate and call back within 5 days. Never heard anything. 

Called again on XX/XX/XXXX. Requested a forensic review of account balance and account structure. Was supposed to hear back within XXXX hrs. Never heard back. 

Called again on XX/XX/XXXX. Talked with a supervisor, Was supposed to hear back after an internal review in XXXX business days. Never heard back. 

Called on XX/XX/XXXX to ask about progress. Was told they were " still processing '' a review. Never heard back. 

Called again on XX/XX/XXXX, referred to IT, then to Service Desk. Filed a Formal Complaint and was supposed to hear back within one week. Never heard back. 

I am filing a complaint that this company has incorrectly calculated the payments and balance on my account. I have documentation that payments were made on-time, and above the required amount, but my principal balance keeps going up. There is some kind of accounting error on my account and I want it fixed. I am requesting a full forensic review of my account and a correction to my balance.

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 2024-07-25 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: AZ

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 2024-07-25 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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 2024-07-25 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: CA

Complaint narrative:
I hope this message finds you well. I wanted to bring to your attention a matter that requires immediate clarification. It has come to my notice that someone sharing the same name as mine has been using our shared name to apply for loans or financial transactions. 

This confusion has arisen recently, and I want to assure you that I have not been involved in any such activities. To avoid any further misunderstandings or complications, I kindly request your assistance in verifying and rectifying any erroneous applications or records associated with my name. 

Please let me know how I can provide any necessary documentation or information to resolve this issue promptly. I appreciate your attention to this matter and look forward to your prompt response. 

There is also false information on my credit profile. Such as addresses, names, and phone numbers. 

Thank you for your understanding and cooperation.

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 2024-07-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free Annual Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. Capital One is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free XXXX Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. XXXX  XXXX is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: AZ

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 non-monetary relief
Consumer complaint received 2024-07-25 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: AZ

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