vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2024-12-17 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 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 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 explanation
Consumer complaint received 2024-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX I saw a email asking if I was looking forward to my stay in this XXXXXXXX XXXX on the XXXX. I thought to myself while Im sitting here in my Indiana home. I made no such purchase. It showed the last 4 numbers of charge cards. I looked everywhere I could think of with those numbers. I decided to go through all of the cards which I personally closed the accounts. It was among them. I called. XXXX and asked how such a thing could happen. I dont even remember my password to get into it where they told me this card was attached. Called the hotel. I asked if they ask for IDs when ones check in? take pictures or ask for Their car license plate number. She said normally they do but sometimes the help gets a little relaxed. 
Charge was {$340.00}. Bank of America has now harassed me about this bill in XXXX disputes. 
My son is XXXX. My XXXX XXXX XXXX husband can hardly walk and my health is XXXX XXXX XXXX Going to XXXX would be last thing Id be doing. Furthermore I wouldnt spend that much money. on a hotel. This credit has been in my possession the whole time.

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 2024-12-17 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: Sunlight Financial LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I was disturbed to see inquiries from your company that I never approved. These inquiries are harming my credit and causing me significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Supreme Lending
State: NC

Complaint narrative:
I have been with XXXX  since XXXX requested a late payment XX/XX/year> to removed after a day late, or a courtesy removal. The payment range from XXXX @ month. It's not in my DNA to miss any payments to my creditors- trying to buy a house for the XXXX time and i've having difficulty getting a decent rate before of this late that's still on my report, please help me- thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
In XX/XX/year> I took a loaner instrument for my daughter 's band flute while her instrument was at The XXXX XXXX, a XXXX affiliate, being repaired. On the last day of school my daughter gave the flute to the employee of the band room that comes to the school to exchange the instruments. So from XXXX until XX/XX/year> I was not in possession of either flute. In XXXX they sent me a termination letter. When school started back up I returned to the XXXX XXXX to get a flute for my daughter and they told me that they still have her same flute and that the loaner was indeed returned and I could come by and pick up the flute. They also told me that I should not have had any charges while the flutes were not in my possession and that the payments would resume as they were before. I continued to make my monthly payments then one day I got an alert on my credit report that I was 120 days past due. I have been disputing this ever since. I spoke with the XXXX of XXXX and they said they had no record of any loaner being taken out or returned and that if I could find the paper they gave me 6 months prior and proof that the loaner was returned then they would delete the late payments. The XXXX XXXX informed me that they don't keep any recorded for more than 30 days since it is all transmitted and stored with XXXX. But when I call XXXX, they don't have these records either. It is their responsibility to keep these records on file, especially if they are reporting to the credit bureau, even if it is improperly. I have been requesting any kind of records from them since XX/XX/year> in an effort to get the inaccuracy deleted from my credit report. Beyond that, I did not give consent for them to access my credit report or did I open this account knowing that they would report to the credit reporting agencies. They never reported to the credit bureaus until the account was reported as 120 days late. They are still actively reporting on my credit of the accounts ongoing history. I do not know this to be in any agreement that I made and I feel they are being predatory, misusing my personal information, improperly reporting on my credit report and refusing to provide validation for the information that is being reported. I decided to pay off the flute in full. After the payment was received by them, I reached out in hopes of resolving this matter. XXXX then told me that my rental contract was extended for another year and that I still owed them more money! Even though I paid them what the asking price was to own the flute out right. After the conversation with XXXX, I called XXXX XXXX XXXX  and they told me that I had indeed paid my account in full and that I owned the flute out right. And that they were trying to find the records that XXXX has been requesting to prove the loaner flute was returned to the XXXX XXXX at the end of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2024-12-17 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: MI

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NJ

Complaint narrative:
Letter sent, phone calls. To stop reporting on a monthly basis without written consent to report monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2024-12-17 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: GA

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 non-monetary relief
Consumer complaint received 2024-12-17 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: AL

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint regarding Chase/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX -- -- XXXX REFUSED to credit me with XXXX reward miles on XXXX, as had clearly been stated and promised in their promotion ( attached picture ) for getting a new Visa card.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - ALL MY CONVERSATIONS WITH CHASE HAVE BEEN RECORDED BY CHASE AND BY ME. 

*Opened the new card in XX/XX/year>, based on the promotion - '' get XXXX miles on XXXX XXXX after charging {$3000.00} in the first 3 months '' See attached. 
*Used the card immediately and charged {$4700.00} in the first 2 months, and paid it in full. 
*Called Chase on XXXX. XXXX, XXXX  at XXXX XXXX, and canceled the card. The agent ( named XXXX XXXX confirmed cancellation and assured me that " YOU KEEP THE EARNED XXXX XXXX MILES ''. 
* I expect the company to honor their stated promotion and not to try to swindle its customers.

* See attached a photo of the promotional mailing, which clearly promise " XXXX miles after spending {$3000.00} '' -- -- -- -- -- - Since this call and all subsequent calls have been recorded, it is easy to verify that Chase/XXXX is misleading and must post the XXXX miles in my XXXX plan and apologize for trying to cheat me out of the earned miles. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am filing a formal complaint against the XXXX major credit reporting agencies TransUnion, XXXX, and XXXX for failing to correct inaccurate information on my credit reports, despite my repeated disputes. 

The inaccurate information includes, but is not limited to : 1. Incorrect account dates ( opening/closing ).

2. Inaccurate balances that do not reflect the actual amounts.

3. Payment history errors, including false late payments.

I submitted disputes directly to each credit bureau requesting they investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ). The bureaus responded claiming the information was " verified and updated, '' yet the inaccuracies persist on my credit report, which is unacceptable.

This failure violates the following sections of the FCRA : 1. Section 607 ( b ) : Credit bureaus must ensure the maximum possible accuracy of information.

2. Section 611 ( a ) : Bureaus must conduct proper reinvestigations and delete or correct unverifiable data.

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