vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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 that are reported 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. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-07-19 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: MO

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2024-07-19 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
This is not a duplicate. 
The previous complaint is for incorrect credit reporting. This complaint is for intentional miscalculation of payments. These are 2 separate issues and fall under 2 separate categories. 

On XX/XX/year> a XXXX XXXX bankruptcy was filed, in which the courts reduced the interest rate on the vehicle to 6 %. Instead of Global Lending Services adhering to the courts imposed interest rate of 6 %, they continued to apply interest of 16 % to the loan. This intention miscalculation has after receipt of {$4100.00} from the bankruptcy trustee from XXXX on a loan of {$12000.00} to reflect a payoff of {$10000.00}. The trustee calculated the principal balance should be that of {$7900.00}. The lender has intentionally ignored the court implemented interest rate to defraud, keeping the principal balance high, in an attempt to collect thousands more than owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.
State: LA

Complaint narrative:
I am currently in XXXX and I tried to pay my mother 's bill in XXXX using my US-based Revolut account on XX/XX/year>, which was flagged by the bank on XX/XX/year> when they requested more information on the payee, which I provided the same day. The payments usually go through within two business days, so I started worrying when I saw that this payment is still being processed on XX/XX/year>. When I contacted Revolut 's in-app Support, they told me that my money is being held between Revolut 's Escalations Team and their Payment Processor. And my money has been stuck there for more than two weeks now. I used the same type of transaction to pay other bills before and after the problematic transaction in question and they all went through without any complications. I asked Revolut numerous times to return my money back to my account ( or release it to the payee ) ; however, they told me that the transaction can not be canceled ( nor returned or released ) at this point and that they are waiting on the response from their Escalations Team, for at least a week now. When I asked why this transaction was flagged and held, nobody had an answer. I also filed a formal complaint with the bank itself ( Revolut Technologies Inc. ), and even though their response was prompt and detailed, nothing was resolved with my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: DE

Complaint narrative:
There are several issues with the decision that I have that Experian made and as a result you guys are stating that the account was updated and there is still a balance in which I have a letter from the original account holder credit bureau which reflects that the accounts were at a {$0.00} balance since XX/XX/2024 Why is this still reflecting a {$10000.00} balance owed on my credit report with Experian.. XXXX neither is XXXX have this information reporting.. The next issue you guys lied about doing and investigation because if that would have taken place you would have been notified by the original creditor that these accounts were paid in full and paid off.. Experian who is the company reporting this has no direct phone number to get in contact with them.. I would like to file a law suit against them for deliberately lying stating they did and investigation.. 
this is the last time that I am asking that you do a proper investigation in 30 days and delete all information regarding these accounts from the Experian credit report.. Credit reporting companies that break the law can be held liable for damages and attorney fees. In the case of a willful failure to comply with the law, the company can be liable for actual or statutory damages as well as punitive damages. I am asking for a payment of {$1000.00} for each violation and {$1000.00} for each month this reflected after XX/XX/XXXX when the original creditor updated information.. The Dept. Of Education stated that they did not report anything because the accounts were paid off.. I informed them that I put a complaint in with Experian back in XXXX and they stated that if they would have been contacted they wouldve received the information that all accounts were paid off for all loans.. This is discrimination as well as fraud. All loans were discharged!!!! 
Total in damages I am asking for is {$4000.00} for {$1000.00} each month from XXXX to XXXX and any additional months these balances reflect giving 30 days from XX/XX/XXXX, for accounts to have been properly updated and another {$1500.00} because there is no phone number to file a report directly with Experian or get a live person on line along with {$4000.00} for lying and reporting falsely after the dispute stating that a balance was still due in which on the statement report that the original creditors informed them that there was a balance owed.. 
Please complete this complaint within 30 day Checks can be mailed to updated address on file Thank you

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 2024-07-19 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: TX

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX and my Social Security Number : XXXX, Date of Birth : XX/XX/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 an auto loan at XXXX XXXX XXXX opened XX/XX/XXXX under the account number : XXXX, an auto loan This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account, and hard inquiries are the result of identity theft and fraud. 

Inquires in question : 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: MO

Complaint narrative:
A FEMA loan was made by XXXX XXXX XXXX, deceased XXXX XXXX. 
Payments were made on this account for years. You can check, there was never a late payment. I remember when the representative came to the house. Went over everything, with XXXX. He specifically said to him, " When you die XXXX, this loan dies with you. '' The rep and XXXX discussed the loan, he took all of XXXX XXXX banking information and XXXX signed all of the papers. The house was in XXXX 'S name. XXXX had the credit. The BORROWERS are XXXX XXXX XXXX. I was not even in the office most of the time, in fact I was not even there when the Rep left. The loan had nothing to do with myself. The Rep did not even speak to me, because it was business between him and XXXX. We got married. XXXX made every single payment from his bank account that was in his name alone. Why would I be held liable for this bill? The house was not in my name and I did not have very good credit, and I wasnt even there during most of meeting. This loan did not involve me, they did not put my name on this, why would they, I had no credit and no collateral. I did not sign anything, I was not even present. PLEASE get this off of my credit. It is ruining my life! I am now desperately trying to refinance and this shows up now IN MY NAME. How can they do this? I am almost positive I sent his death certificate to them. I now have a XXXX XXXX on my name. I have 90 days from XXXX XXXX XXXX, to refinance this home or it be sold at auction. I am at a complete stand still until I have a cleared authorization on this matter. This is not my debt. It was my now deceased husband 's debt. I should not be liable for this, please remove this so I can move forward. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX, XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX 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 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 that are reported 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  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 2024-07-19 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:
My account with XXXX XXXX, XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX 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 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 that are reported 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. 
XXXX XXXX, XXXXXXXX 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 explanation