vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-15 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX, 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 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 non-monetary relief
Consumer complaint received 2024-10-15 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX, 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 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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: PA

Complaint narrative:
I have been receiving calls that come up as spam, There is a voice mail and states that its Hillcrest, and they are a Debt collections agency attempting to collect a debt, and states the reps name with is XXXX. I called to get more information because I was not aware of a Debt issues .I was transferred to the person that is handling my case and asked what the calls were in regards to the rep stated that a spu about how they are collecting a debt for XXXX XXXX. I informed him that I attempted to settle my dispute with them but didnt get anything further and he became very argumentative and was trying to accuse me of lying about not receiving anything regarding my reaching out to try in settle this manner. I asked to speak with someone else, however he stated that I will always get transffered to him. I hung up after requesting to speak to a manager in which he stated rudely that he doesn't have time for me. I never in a million years delt with someone trying to attempt to solve a solution be so hostile an tone, and I do feel like it was discrimination because I am a women. had it been a man XXXX dont believe the call would have went the way it did,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I was shocked to see unauthorized inquiries appear on my credit report today, and I dont know why. I check my credit report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser to rule out a glitch, but the inquiries are still there. I need this handled immediately, and Im beyond frustrated. Please ensure the documents I provided are thoroughly reviewed so I dont have to face this issue again.

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 2024-10-15 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: MA

Complaint narrative:
On my credit reports it was reported that i have a late mortgage payment for XX/XX/year> which is incorrect

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 2024-10-15 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:
On my credit reports it was reported that i have a late mortgage payment for XX/XX/year> which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MA

Complaint narrative:
On my credit reports it was reported that i have a late mortgage payment for XX/XX/year> which is incorrect

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 2024-10-15 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/year>, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
This is seriously alarming, there appears to be information that has been mixed with my credit report, this account keeps appearing on it which isn't mine. This is misreported, and this error has been affecting my life negatively causing me undue stress and sleepless nights with my new credit applications being denied because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I took out loans with Sallie Mae and had issues paying off and it went to collections. 
The debt collector has not gotten in contact with me and I'm not sure which agency my debt went to. When I called Sallie Mae they said they had a program where I can repay my loans but when I asked to be able to see my loans or something to help navigate visually what I'm paying off nothing happened. I was told I would be emailed my loan information but nothing has been sent. Its concerning for me because I would like to get my debt paid to fix my credit score but I have no paper trail or physical location to go to, to see how much of my debt I have left or how I can put payment to pay off. The only place I see the debt is on my credit report but other than nothing else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spoke to several different departments within Chase Credit Card department on XX/XX/XXXX regarding the unauthorized hard inquiry that placed on my XXXX report on XX/XX/year>. They informed me that they contacted XXXX on XX/XX/XXXX requesting that the inquiry be removed, the inquiry has not been removed and when I contacted chase today XX/XX/year> requesting written verification that they sent the request to XXXX on XX/XX/XXXX to remove the inquiry, the rude representatives told me that they could not provide me with it. I have to wait 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Mortgage department charged XXXX XXXX per name on application on a conventional home loan up front instead of in closing cost! XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. 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 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This relates to a previous complaint but is independent of the previous complaint ( XXXX ). 

In response to a previous complaint, I was provided a letter ( dated XXXX XXXX XXXXXX/XX/XXXX ) and a point of contact with Bloomingdales/Citibank , N.A. : XXXX XXXX XXXX. In an effort to resolve my CFPB issue with Citibank, I sent them another letter on XXXX XXXX XXXXXX/XX/XXXX outlining the issues experienced, requesting the date I purportedly opted into paperless statements, and seeking redress in the form of removal of negative credit reporting. Having not heard back from Citibank ( a reoccurring themeXXXX ), I called XXXX XXXX on XXXX XX/XX/XXXX ; XXXX XXXX called me back on XXXX XX/XX/XXXX and advised she did not receive my letter and that no credits would be issued on the account. 

I realized today I misread XXXX XXXX 's letter of XXXX XXXX and believed they were crediting my account {$95.00}, not that she was iterating no additional credits beyond what had already been credited in the amount of {$95.00} would be granted. As such, my most recent payment of {$120.00} did not bring the account current. Therefore, additional fees and charges were assessed. 

The basis for my complaint is I believe Citibank , N.A . is purposefully ignoring correspondence from its cardmembers and charging exorbitant fees as a business practice. 

I have made numerous efforts to resolve the delinquencies on my account arising from account statements I never received. As I stated in my XXXX XX/XX/XXXX letter, " fees and interest would not have continued to accrue and the negative reporting would not have occurred if Bloomingdales/Citibank , N.A. provided the requested information in response to my XX/XX/XXXX, letter. '' The XXXX XXXX letter is attached. [ Please note, the requested statements were received after the letter was mailed, so I now am able to crosswalk the account statements, as attached. ] My credit score was over 800 when this XXXX  began, and it has fallen to the 600s due to the negative credit reports. I have sought and continue to seek a fair resolution to what originated as a simple issue. I have operated in good faith. Citibank 's charges are not fair or reasonable considering they have blown off all attempts to resolve the issue ( short of payment ) since XX/XX/XXXX. As such, I conclude they purposefully are not acting in good faith, ignoring my letters in order to enrich themselves through the assessment of unreasonable fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Venmo customer service to figure out why I was unable to add proper banking information that would allow me to withdraw my funds. I was informed to submit in proof of bank account ownership, and a photo ID. I complied and submitted both of those information within the same hour of instructions. 

However, on XX/XX/XXXX, I was notified that my account was suspended and required ID verification, which was a tad strange as on XX/XX/XXXX, I had already submitted this information as proof of who I am. After submitting my ID, I was quickly notified I was no longer allowed to use Venmo services, citing a warning they gave me a year ago on a previous account that I made when I was a minor. I've now been told by Venmo that I'm unable to withdraw my funds for up to 180 days. I used Venmo to collect money from friends whenever we got food together, so now I'm responsible for paying the entire credit card bill out of my savings versus withdrawing the funds already given to me to cover the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> I transferred {$720.00} which totaled to be {$710.00} after the instant transfer fee ffrom my apple account to wells fargo. the next day wells fargo reversed the deposit because they thought it was fraudulent. I have been back and forth with XXXX and wells fargo. XXXX still has not received my money. Wells fargo refuses to provide any proof the funds were returned. The case was escalated to wells fargo excutive office. I have not received my money back yet. It has been well over a month and wells fargo is refusing to help me.

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