vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXX 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 XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: MD

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 student loan account opened at XXXX XXXX under various account numbers. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 maintained 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 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 explanation
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 2024-07-05 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: MI

Complaint narrative:
My account with ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) 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 ( 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
In XX/XX/XXXX, I entered into a loan agreement with Santander as a co borrower. I was not asked for any income verification neither was the primary borrower ( my father ) I made the first three payments on time but feel into financial difficulties. I reached out to Santander in XX/XX/XXXX, but was told my loan was not old enough to receive any assistance. I struggled to continue to make payments ( taking money from my XXXX, etc ) but was never offered any assistance from Santander. 
It is my understanding they should not have granted a loan without determining negative cash flow, which was a definite factor at the time of purchase. 
I also learned by checking my credit report that Santander has listed the account as closed as of XX/XX/XXXX, at which time I was four payments behind. I repeatedly attempted to enter into an alternate payment plan but have not been able to do so. Santander continues with the same practices present before the {$550.00} XXXX dollar lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I got a XXXX card on XX/XX/year> and had money loaded on it. On XX/XX/year> I was told there was an issue with the card. I called the number and was told that I owe over XXXX to a company called NetSpend. I advised them I never had a NetSpend account ( one of their affiliates ) and that I wanted the restriction lifted due to fraud. They absolutely refused and directed me to file a complaint with you. I asked when this so called NetSpend account was opened and they refused to give me that information.

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
RE : Friday, XX/XX/year>, at XXXXXXXX XXXX, Terminal XXXX, Sequence XXXX, I went to the ATM of Chase Bank, located at XXXX XXXX XXXX, XXXX, LA XXXX. I went to the outside ATM to quickly deposit {$3000.00} cash. The ATM returned {$300.00} ( XXXX, XXXX XXXXXXXX XXXX XXXX ) to me and stated that I only deposited {$1200.00} in cash. 

I went inside and spoke a banking associate who quickly filed a claim. She told me that a bank employee would count the ATM and find the discrepancy, likely within 2 days. 


I called Chase at XXXX, the Fraud Claims department. The claim number is XXXX. She read the notes to me that stated the XXXX branch Closed the file, WITHOUT even opening the ATM. XXXX was who I spoke to in the Fraud Claims. She was also astounded that they closed the file without ever counting the ATM to look for my {$1500.00}. 

I spoke to a local business owner, who also banks with Chase, and she said that she deposited {$2800.00} a month ago and her receipt only showed {$300.00}. She was also told that there was nothing that could be done about the situation. 

On XX/XX/year>, I called the Chase Fraud Claims line to see if there was an update. I was told that a bank employee opened the ATM on XX/XX/year> at XXXX and did not report finding an extra {$1500.00}. It was very difficult to understand the employee and I asked to speak to a supervisor and the telephone representative hung up the phone. 

I called back to speak with a supervisor, her name was XXXX. She checked with the investigation team and they supposedly counted the ATM on XX/XX/year> at XXXXXXXX XXXX and did not find the extra {$1500.00}. I am getting different stories from Chase Bank about who opened the ATM, times, and dates. Who actually opened the ATM? What day? What time? Everyone has different answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a threatening letter communicating to me that XXXXXXXX XXXX XXXX, a debt collector was attempting to serve me with papers for a lawsuit regarding a debt allegedly owed to CITICARDS CBNA. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After receiving the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from CITICARDS CBNA card services that has been charged off as bad debt, but I never received a 1099 from CITICARDS CBNA showing the debt was discharged. Not only did CITICARDS CBNA not send a 1099, they are attempting to collect twice by charging off the alleged debt and not reporting it and by suing in civil court. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that CITICARDS CBNA and XXXX XXXX XXXX XXXXhe debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CITICARDS CBNA Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of CITICARDS CBNA reporting services. I ask that the Consumer Financial Protection Bureau look into the actions of CITICARDS CBNA and XXXXXXXX XXXX XXXX regarding their actions towards a federally protected consumer.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/year> ). Contents of the complaint : This CFPB complaint has been filed to request that EQUIFAX, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a CAR LOANS AND HARD INQUIRIES. 

CAR LOANS XXXX XXXX XXXX XXXX. ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} HARD INQUIRIES : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in multiple bogus INQUIRIES and CAR LOANS on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and INQUIRIES, that were reported. I did not open, make, or start the aforementioned accounts, INQUIRIES on my consumer credit report, which you keep. All of the accounts, INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
XX/XX/year> I have loans with Mohela. I was forced to change to their new loan servicing platform. Before the change I was told via a document they sent : " This change in loan servicing platforms will not impact the existing terms, conditions, interest rates, or available repayment plans of your federal student loans ''. 

However, because of this change to a different platform, all interest I had has now capitalized without my consent. It was almost XXXX XXXX in interest, so this is a big deal, and I obviously do not want this to happen. I just got off the phone with them and am waiting for a call back from a supervisor. The person who was helping me searched and searched for a written reason why this would have happened, and she came up with nothing. It is a mistake and they are not allowed to capitalize my interest just for switching me to a new loan servicing platform. BUT THEY DID. It is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
I have had my XXXX XXXX XXXX XXXX since XXXX with no issues. XXXX claims to send balance and payment history monthly to all three credit bureau 's. I noticed on my experian credit report that my payment history has not been updated in 6 months ( XX/XX/XXXX ). I contacted XXXX, and they informed me send information monthly to all three credit bureau 's, to contact Experian. Experian claimed they haven't received any information to update, and suggested I file a dispute. I file a dispute on the account with evidence account information has not been updated in 6 months. XXXX 's response was " the information is correct. '' Which it is not. After googling, I found there are multiple users with this issue. I e-mailed them, explaining the information was in fact not correct, with the screen shots, and they once again suggested to contact Experian. They advertise that they report, when in fact, it seems they have stopped that effective XX/XX/XXXX for multiple customers.

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 2024-07-05 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : Close late Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 non-monetary relief