vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays improperly handled my dispute request against XXXX XXXX XXXX for {$81.00}. They are refusing to remove the charge from my account for merchandise that was not wanted and never shipped.

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 2024-08-08 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:
I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I found the accounts listed under the collection section that I believe to be inaccurate. The details of the accounts in question are as follows : XX/XX/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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-08 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: MN

Complaint narrative:
On XXXX Experian Credit Bureau reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a XXXX from referenced companies I need Experian to share those findings with me via email or however works best for them.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please 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
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MD

Complaint narrative:
On XX/XX/year>, at XXXX, I received an email from Bank of America XXXX " BOA '' ) notifying me of " Suspicious credit card activity detected ''. I immediately called the BOA number on the email and was told that there was a suspicious {$20000.00} charge on my BOA visa credit card. I told them the {$20000.00} charge was indeed unauthorized activity and was not initiated by me. I was instructed to destroy and cancel the credit card, which I did over the phone with the BOA representative. On XX/XX/year>, I received a letter from BOA " confirming that the transaction did not post to my account and they considered the account resolved ''. However, on XX/XX/year>, I noticed that there was a new account on my online BOA profile with a {$20000.00} balance. I called the BOA XXXX department again and was told that the XX/XX/year> letter was sent by BOA in error, and a new account had been created and that the claim had been " re-opened ''. I was told tothat BOA would would respond within 90 days with a " final decision '', but to also check back in a few weeks. I was told to pay the finance charges accuring on the {$20000.00} balance and that they would be credited back if the matter was resolved in my favor. As of today, the {$20000.00} remains as an outstanding balance on the new account created by BOA. I have called the BOA XXXX department several times since, and as of today, I am being told that the matter is still under investigation and a final resolution letter was forthcoming. Today the BOA XXXX department said the fraudulent activity is the result of a balance transfer and BOA was in the process of contacting the bank to where the funds were transferred to in an effor to recover the funds, if the transfer actually occurred. BOA has not shared any other details, and continues to say the BOA fraud investigative team is working on it.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Commencing on or about XX/XX/XXXX XXXX, I fell victim to a multi- layered Scam operation which involved me making deposits for a total amount of {$63000.00} USD, from my XXXX XXXX XXXXXXXX account to JP Morgan Chase Bank at the instructions of the Scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting via:1970 fair reporting act.

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 2024-08-08 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting via:1970 fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: AL

Complaint narrative:
I have an open account with Sensible Auto which is current. As of XXXX of XXXX they started reporting my account closed and reported in a bankruptcy. I filed a bankruptcy in XXXX of XXXX. My case was closed XXXX of XXXX. I purchased a car jointly with my husband in XXXX of XXXX. The account has been reporting on my account correctly for XXXX  years and now it's saying closed due to bankruptcy but it's open and current on my husband credit report. I have reached out to XXXX XXXX last month and the credit bureaus about the issue. A supervisor at XXXX XXXX stated that it will be corrected on my XXXX report but it has not updated. I am trying to purchase a home and this issue is creating a major problem for me. Please 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
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Very dissatisfied with Bank of America. They made a mistake in not closing my XXXX Account. I had walked into a BOA facility and requested to have my money pulled out of my savings account and have it closed. The teller said that a XXXX would need to do the closing. I had to wait for a banker to become available. He came over and signed a document and I received my money. I asked, " Is the account closed ''. They said, yes he would take care of it. But he didn't. Then when last XXXX,XX/XX/XXXX came they charged me a $ XXXX service fee for not having enough in the account. Then they charged me XXXX more times, before I could get in to speak with someone. Once I did, they said they couldn't close it now because it was in the negative and that was due to the service fees. I had to go home and call the Cust Serv number and explain this all to them. They removed 2 months of service fees but said now I had to transfer money from my checking account to the savings account to zero it out. I did this and the agent was able to close out the account that should have been closed last XXXX. I called twice to request that they reimburse me for the amount I had to tranfer over to zero out the account. Cust Serv now says, that because the account is now closed they are unable to do anything. It was their mistake, but because the account is now closed, they " say '' there is nothing they can do. They need to own up to their mistake and reimburse 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 monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep my credit frozen with the XXXX credit bureaus through their websites. Several months back I needed to unfreeze my credit temporarily. I was able to do this with XXXX and XXXX, but could not login to my Experian account. 

The account is secured with multi-factor authentication requiring a code to be sent to my phone. When I enter this code on the website, I get an error saying the request has been cancelled. I called the support phone number provided, however there is absolutely no way to speak to a person. 

Their alternative is to write a detailed letter explaining your issue. I did this back on XX/XX/XXXX requesting assistance to unlock my account. I received a response several weeks later indicating that they had unfrozen my credit. I did not request that my credit be unfrozen. My account remained inaccessible. 

I sent a follow up letter on XX/XX/XXXX, explaining that they did not resolve my issue and again requested assistance with my login. I have not received a response to this request and my account remains inaccessible. 

My credit with Experian is currently unfrozen and I have no way to freeze it or resolve my login issue. 

I am extremely unhappy that an organization that I am forced to deal with has no obligation to provide customer support.

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 2024-08-08 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: AL

Complaint narrative:
My account with VXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: IN

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I attempted to use my XX/XX/XXXX at a M & T ATM. The ATM number is XXXX. The bank deducted the attempted withdrawal but didn't dispurse the money. I called several phone numbers and spoke to several people without satisfaction on getting the money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accscient, LLC
State: CA

Complaint narrative:
I was working at XXXXXXXX XXXX XXXX  and went on a company business trip to XXXX Georgia. I was a required to take a covid test and visited the XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Georgia. XXXX XXXX XXXXXXXX XXXX XXXXXXXX was suppose to charge my company for the bill but shortly after this I was no longer with the company. XXXX XXXX XXXXXXXX XXXX  charged me instead and I have no messages from them regarding this bill and then they sent it to collections this year. I had no idea this happened until I recently checked my credit report. This is not right that they did this to me when 1. They were suppose to charge my company for the bill and 2. no once have they told me there was a bill due prior to my bill getting sent to collections.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
When I went to check my profile I came across some inquiries that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
There is a foreclosure case pending against me and a trial set for XX/XX/year>. I initially submitted an application for loan modification at the end of XX/XX/year>. I have shown sufficient income that I can afford the mortgage payment. The loan servicer is Mr Cooper. I have received repeated requests for the same information about profit and loss statements from the servicer, have timely responded to the servicer 's requests and there still has been no decision on the loan modification application. I fear that the servicer is stalling and simply waiting to deny my application until right before the trial? Further, I have requested that the trial be continued based on the pending loss mitigation as provided by the CFPB Regulations XXXX 12 CFR 1024.41 ( g ) and Plaintiff is refusing to continue the trial.

Company response to consumer: Closed with explanation