vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-09-09 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: GA

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 XXXX 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 explanation
Consumer complaint received 2024-09-09 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:
I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
XXXX XXXX XX/XX/year> XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from School first with a balance of {$1300.00}, XXXX XXXX with a balance of {$12000.00}, XXXX XXXX with a balance of {$25000.00}, XXXX XXXX with a balance of {$3500.00}, Dept Ed XXXX with a balance of {$180000.00}. 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
XX/XX/XXXX : I applied for PMI removal. I met all qualifications, but I was still denied PMI removal with no explanations. 
XX/XX/XXXX : I re-applied for PMI removal and met all qualifications. Spoke to multiple representatives with the company who gave me multiple answers ( some telling me I was denied, others telling me it was taking longer than expected, others telling me I was approved ) XX/XX/XXXX : I finally received contact from the company, and I was approved. The PMI would be removed, but it could take up to 30 days. 
XX/XX/XXXX : Spoke to customer service with no help. They told me to pay XXXX 's mortgage, that I would be refunded the overpayment, and that it would come off for XXXX 's payment. 
XX/XX/XXXX : the PMI has still not been removed. I spoke to customer service, and they seem as confused as I am about why it hasn't been removed. 

Every time I call the company, I speak to someone different who has an entirely different story, and they all seem very confused as to why this PMI still hasn't been dropped. This is just a small number of examples of phone calls I have had between myself and this company. Any time I call them, no one answers the phone, or they put me on hold forever with no answers. I will be transferring my loan from their business as soon as interest rates drop, and I would NEVER recommend them to anyone. However, for now, I need this fixed and to know that I will be getting my refund of overpayment ( which I am not holding my breath for ).

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
**Contribution Reason : ** Account Abuse Second account that not mine and need to be removed immediately The details of the disputed information are as follows : - **Name : ** XXXX XXXX XXXX **SSN/Tax ID # : ** XXXX - **Phone : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - **ID # : XXXX XXXX XXXX **ID Type : ** Driver License, **ID State : ** XXXX - XXXXAlt ID State : ** XXXX  - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** - **Fee Reversal : ** - **Combined Loss & Fee Reversal : ** - **Paid/Unpaid/Settled : ** Unpaid - **Contribution Reason : ** Checking Account 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681g, 15 USC 1681h, 15 USC 1681i, 15 USC 1681s-2, 12 CFR 1022.42 and 12 CFR 1022.43, FCRA 609, FCRA 10 and FCRA 611 under the FTC I provided supporting documentation of unverified debt and requested an investigation of the reported information, and for updates to be made in accordance with the law. 

On XX/XX/XXXX I sent a dispute letter to Experian via USPS certified return receipt with supporting documentation regarding a XXXX tradeline. The documentation provided by XXXX states that that they are unable to verify the debt nor produce any historical payment data records supporting the balance they continued to report which is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( 2 ) while operating as a Furnisher of Information as defined by 12 CFR 1022.41 ( c ). Furthermore, XXXX being reflected as a furnisher of any reporting, records or tradelines to any credit bureau on my credit file prior to XX/XX/XXXX would constitute false reporting as they were not designated as a servicer before that time. 

On XX/XX/XXXX Experian received and signed for the letter and supporting documentation. 

On XX/XX/XXXX Experian entered the dispute on their online platform. 

On XX/XX/XXXX Experian closed the dispute online and provided no explanation as to why. 

On XX/XX/XXXX I called Experian to inquire why the dispute was closed without explanation. A response was not provided. 

On XX/XX/XXXX On the same call, an Experian representative opens a new dispute on my behalf using the letter and supporting documentation provided via USPS which states that XXXX is unable to verify the debt nor produce any historical payment data records supporting the balance they continued to report while operating as a Furnisher of Information as defined by 12 CFR 1022.41 ( c ). 

On XX/XX/XXXX Experian closed the dispute online without investigation, stating that verification had been completed and no changes were made. 

A 24-hour timeframe is not sufficient to complete an investigation, and failure to do so is a blatant violation of 15 USC 1681i and FCRA 611.

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 2024-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To whom it may concern, supplying statements without evidence of a signed contract ( assuming it was requested by the consumer ) does not validate the debt. Please be so kind as to reference the below request, which should be provided as FULL validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-09-09 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-09-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: WI

Complaint narrative:
XXXX XXXX from Structured Settlement, XXXX XXXX. XXXX. 

They called my at work about a week or two ago. I specifically told him he is not allowed to call me at work and I hung up. He proceeded to call two more times right in a row. The last time i said, I told you that you are not allowed to call me at work and hung up. Today again he called me at work, I am front desk at a hotel, I was not here and he left a message for me to call him. When I got in I called him back and recapped that 2 weeks ago I told you that you were not allowed to call me at work. Now you called again. I told you that you can't call at my job, if you continue to call my job you will leave me no choice but to contact a lawyer. This his harassment. He started talking over me and yelling that " if you have no money how are you going to get a lawyer '' I told him that was none of his business. I specifically told you that I had XXXX XXXX XXXX and I'm just getting back on my feet. I said i have your information at home and when i am able to I will reach out and start small bi-weekly payments. Do Not Call My 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 2024-09-09 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: PA

Complaint narrative:
I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I HAVE SEEN INACCURATE INFORMATION ON MY CREDIT REPORT IN REGARDS NATIONAL CREDIT SERVICES IN THE AMOUNT OF XXXX THAT IS GOING AGAINST MY CREDIT WORTHINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am reaching out to you to kindly request your assistance on freeing my funds on a SoFi checking account ( ending in XXXX ) that has been holding since XX/XX/year>. 

At the moment my account is restricted, and I am not allowed to transfer my funds or even close the account. SoFi claims that they have decided to close my account for breach of terms of use, and that they will close my account once some " pending actions '' are completed. SoFi refuses to let me know what conditions I breached and what actions are pending ( actions they have to take themselves ). 

The " pending actions '', have been pending for well over 90 days, and still SoFi refuses to tell me what is missing, who is taking charge, or when should this " pending actions '' be completed. SoFi refuses to send me written communication. When I leave a message to the security team they never reach back. 

Attached you can find a complete timeline of the events and a list of evidence that includes, screenshots of my account, emails exchanged, and phone call register with dates and duration of calls. 

At this point is clear that SoFi is engaging in bad faith. Hence, I kindly request your help in recovering my money. I do not mind if they close my account or they leave it open. I just want to have access to my funds to withdraw all the money as soon as possible, as I need it to pay for expenses, and I dont trust SoFi. 

Thank you very much for your time and assistance, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon a detailed review of my current credit report, I identified multiple fraudulent accounts that were added without my authorization.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SECURITY FREEZE

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been enrolled in electronic billing with Synchrony for my XXXX XXXX XXXX card for several years now. For the second time this year I did not receive the email statement. This first occurred in XX/XX/2024 and I incurred interest and a late fee of {$30.00} dollars. When I called I was told that the email had been undeliverable per their records, but they had made no attempt to contact me. The fees were reversed. Just yesterday I got a text reminding me about a payment due. I had not received and emailed statement and this was the first time I have ever gotten a text message from Synchrony about a credit card payment. On investigation ( checking email accounts, spam and trash folders, checking my text trash ) I discovered I had not gotten any notice of payment due for the month of XXXX. Upon calling today I was told the email was sent and confirmed my email address and that the fees could not be reversed since it had already been done once this year. Furthermore, it would cost me {$1.00} a month to get paper statements, even though they can not manage to get the electronic statements to me. I have another credit card through Synchrony that has not had any problems with communication and I am beginning to suspect some sort of scam to get fees from people who don't pay attention to their bills. The representative stated she would open a inquiry, but I doubt I will ever hear anything. Is it legal for the this company to charge me for paper billing?

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