vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/2022 is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : ** - This section mandates that furnishers of information, such as XXXX/ XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement.

3. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/2022 was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/2022, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/2022, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesXXXX, XXXX, and TransUnionto update my credit report accordingly and remove the erroneous late payment entry.

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 2024-06-01 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: NJ

Complaint narrative:
1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/year> is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : ** - This section mandates that furnishers of information, such as XXXX/ XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement. 

XXXX. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/year> was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/year>, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/year>, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesExperian, XXXX, and XXXXto update my credit report accordingly and remove the erroneous late payment entry.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute the validity of a debt collection effort initiated by XXXX XXXX and reported by XXXX on my credit report. I request your assistance in verifying the legitimacy of XXXX XXXX  claim to collect on the alleged debt. I believe that XXXX XXXX has violated several laws and regulations in their collection activities, as outlined below : 1 Lack of Contractual Agreement : I request to see a contractual agreement that gives XXXX XXXX  the right to collect on the alleged debt in question. As the alleged debtor, I have the right to verify the existence and validity of any contractual agreement that forms the basis of XXXX XXXX collection efforts. 

2.Violation of Gramm-Leach-Bliley Act ( GLBA ) : XXXX XXXX has potentially violated the Gramm-Leach-Bliley Act by sharing my non-public personal financial information with a non-affiliated third party without my consent. This act safeguards consumers ' privacy by regulating the disclosure of personal financial information by financial institutions. 

3.Violation of New Jersey Consumer Financing Licensing Act ( NJCFLA ) : Violation 1 : The NJCFLA requires businesses engaged in consumer lending to obtain consumer lending licenses in order to operate legally in the consumer loan business. XXXX XXXX  collection activities may fall under the definition of engaging in consumer lending, thus requiring them to obtain the necessary licenses. 

Violation 2 : According to the NJCFLA, businesses involved in buying, discounting, or endorsing notes, or furnishing or procuring guarantee or security for compensation in amounts of {$50000.00} or less are considered to be engaging in the consumer loan business. XXXX XXXX debt collection practices may meet this criteria, necessitating compliance with the NJCFLA. 

Violation 3 : While New Jersey 's requirements for collection agencies include bonding and registration processes, XXXX XXXX must adhere to these regulations to operate legally in the state. Failure to comply with these requirements constitutes a violation of state law. 
I REQUEST a thorough investigation into XXXX XXXX debt collection practices and ensure that any reported information regarding this debt is accurate and legally compliant. Additionally, I ask that XXXX provide me with any documentation or evidence that supports XXXX XXXX claim to collect on the alleged debt. 

Please provide a written response to this dispute within 30 days of receiving this letter, detailing the findings of your investigation and any actions taken to address these concerns. Failure to respond within this timeframe may necessitate further action on my part to protect my consumer rights under applicable laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a couple times on occasion tried to have this late payment removed from a credit report by XXXX XXXX XXXX there will be three things that I will state to three codes that makes the late payment on my credit report not valid 15 USC 1666b under timing of payments. The law states that unless I receive a statement 21 days prior to the due date they can not report anything as late on my open credits. They've never sent anything certified returned so there no was for XXXX  to prove that. Under 15 USC 6802 reporting my information to a non-affiliate financial institution is identity theft and against the law and I never signed anything giving me the option to either have or have not something put on my credit reports they're in violation of that right there also and under 15 USC 1681 B permissible purposes I never did give XXXX written permission to XXXX XXXX or TransUnion to furnish any of my information so this late payment is against the law and needs to be removed immediately and I want the late payments removed off of all three credit bureaus I went removed off of XXXX XXXX and Transunion.

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 2024-06-01 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: WA

Complaint narrative:
I have a couple times on occasion tried to have this late payment removed from a credit report by XXXX XXXX XXXX there will be three things that I will state to three codes that makes the late payment on my credit report not valid 15 USC 1666b under timing of payments. The law states that unless I receive a statement 21 days prior to the due date they can not report anything as late on my open credits. They've never sent anything certified returned so there no was for XXXX to prove that. Under 15 USC 6802 reporting my information to a non-affiliate financial institution is identity theft and against the law and I never signed anything giving me the option to either have or have not something put on my credit reports they're in violation of that right there also and under 15 USC 1681 B permissible purposes I never did give XXXX written permission to Equifax XXXX or XXXX to furnish any of my information so this late payment is against the law and needs to be removed immediately and I want the late payments removed off of all three credit bureaus I went removed off of XXXX Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX XXXX # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 XXXX, XXXX, and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts contain information that is both incomplete and inaccurate, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) stipulates that consumer reporting agencies must provide accurate and complete information in credit reports. Furthermore, FCRA Section 623 ( a ) ( 2 ) mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete. 

In addition to FCRA violations, I refer to specific consumer laws that reinforce the importance of accurate credit reporting. The Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208 ) and the Consumer Financial Protection Act of 2010 ( Public Law 111-203 ) both underscore the necessity for accurate and fair credit reporting practices. These laws were established to protect consumers from inaccurate information impacting their creditworthiness. 

Furthermore, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) amended the FCRA to include provisions for the accurate reporting of consumer information and the removal of inaccurate information from credit reports. Under FACTA Section 312, consumers have the right to dispute inaccurate information on their credit reports and have it corrected or removed. 

The accounts on my credit report are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 2024-06-01 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: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM IS REPORTING AN account i know nothing about, i never recieved notification from this company about this debt, I tried locating their information and saw no license info, or contact info, this account is not mine please remove.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Two factor authorization fails when trying to convert rewards to partner programs. This effectively prevents me from using my miles on my Capital One Venture XXXX card and Capital One is failing to fulfill the conditions of its own program. They told me there is nothing they can do and I should wait and see if it resolves on its own. Strangely, two factor authorization works upon initial sign in but it does not work when trying to convert rewards. XXXX different technical support agents told me there was nothing that could be done aside from submitting feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I am and have been disputing the date this account was opened and XXXX is not correct. This account was opened on XX/XX/XXXX, thru Furst National Bank of Omaha and that's how I expect it to be reported. Secondly, too old to collect ANYMORE money.

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 2024-06-01 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: WI

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on 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 non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Andrews & Cox, P.C.
State: VA

Complaint narrative:
GOT THIS LETTER TODAY FROM : ANDREWS AND COX, P.C.DBA BLEECKER, BRODEY & ANDREWS XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX XXXX XXXX Our File Number XXXX Balance due as of date of this letter {$5000.00} XXXX XXXX the collections manager has already been informed SSR 79.4 Sections 207,452 ( b ) 459, and 462 ( f ) ( 42 U.S.C. 407, 652 ( b ) 659, and 662 ( f ) ) LEVY AND GARNISHMENT OF BENEFITS. Generally Social Security benefits are exempt from garnishment or other legal process, or from the operation of any bankruptcy or insolvency law Any harassment will be grounds for a complaint to the Consumer Financial Protection Bureau. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: AZ

Complaint narrative:
XXXX XXXX has refused to correct the erroneous inaccurate reporting on my credit report. They are in Violation of the FCRA. I have attempted several times to have them correct the information on my report. attached is the evidence highlighted in XXXX of the plethora of errors on my consumer report that is not in metro 2 standards and must be removed from my credit report immediately. Please investigate their practices and procedures as it pertains to ignoring the FCRA guidelines and the willful noncompliance of conducting and reporting to ensure the accurate of reporting for 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 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Had a balance of {$190.00}, made a payment of {$1700.00} on XX/XX/XXXX. Took a cash advance XX/XX/XXXX for {$600.00}, next billing cycle XX/XX/XXXX made a payment of {$600.00} the amount of cash advance taken in XX/XX/XXXX. Payment for XXXX XXXX {$500.00}, all payments for the remainder of XXXX billing cycle were above minimal payment. Capital One has continued to charge unfair high intrest. My biggest problem is the cash advance was paid, but the intrest charge for cash advance is reaccuring on statement. And the charge for cash advance ( actual transaction ) has never appeared on statement. When I questioned the intrest charges thats when I learned none of the payments i made had been applied toward the cash advance, it's like a hidden charge in background, payments made for XX/XX/XXXX and XX/XX/XXXX a total of {$1100.00} that charge should be paid. Also for XXXX - XXXX payments have been {$300.00} each month yet high intrest rates continue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-06-01 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union is reporting Inaccurate information on my consumer report to XXXX, XXXX XXXX, XXXX. 

Navy federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( 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. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the XXXX XXXX guidelines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation