vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: 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, XXXX, AND 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX bank XXXX, and pro collect XXXX have violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a text message from Truist fraud department on XX/XX/year>. Asking if I authorized XXXX toll to debit my account. I replied no. I called and canceled my card. They said the charge would not go through and still did. Then another charge from XXXX on XX/XX/year> after XXXX days and my card being cancelled went through. I called and told them I did not authorize that charge. I asked to speak to a us based representative and a manger they said they put in the not red for the dispute department and I should get it back. I never got anything in the mail from Truist requesting or providing me detail information. I explained I had several issues with the merchant and they are well known for doing this to customers. My account is now negative. And I cant access the funds I had in the account before.

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 2024-11-04 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: NV

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and unauthorized accounts have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

The following account ( s ) were not authorized by me and should be blocked and deleted from my credit report immediately : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$81.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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 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 XXXX, XXXX, AND 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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My warranty company is refusing to fix the oil consumption the car is having. The XXXX XXXX XXXX  's oil consumption is really bad. I took it into the XXXX XXXX. I was told that in order for XXXX to fix the problem, I was to not put oil in the car. Drive it until the engine blows up, and they will fix it. My extended warranty company told me that XXXX is responsible for fixing the problem, so drive it until it blows up, then call us. Ive called at least XXXX attorneys who refuse to take the case. Im constantly putting oil in the car. XXXX knew that the problem has existed since before they sold me the car. I also might ad that when I bought the car my credit was really low. This loan went through in XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-04 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:
I, [ XXXX XXXX ], have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response.

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 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a notice in XXXX stating that there was going to be a deficit in my escrow account. I went in to a branch on XXXX and paid the escrow deficit in full. I received a notice stating that my payment of {$2200.00} wasn't enough and I needed to increase it to XXXX. I got a monthly statement XXXX stating I owed XXXX and then another one stating I owed XXXX. I contacted Wells Fargo mortgage on XX/XX/year> trying to get information on what the heck was going on. The customer service rep didn't understand why my payment was increasing after I paid the full deficit nor did she understand why I was receiving another increase for my escrow of XXXX. I received that notice the next day. I do not know why my monthly amounts are increasing if I pay the deficit in full, why there are so many deficits, including the next request for {$2200.00}. If I call the mortgage company I expect them to provide me with accurate answers. I did not choose Wells Fargo for my mortgage. i did my due diligence and went with another financial institution. Unfortunately Wells Fargo purchased my mortgage from them and it has been XXXX ever since. The stress and frustration they cause is inexcusable.

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 2024-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a CD through Marcus by Goldman Sachs in XX/XX/year> at a 5.15 % rate. I invested {$210000.00}. Shortly thereafter, the federal reserve cut rates by .5 %. On XX/XX/year>, Marcus sent me a notice that it was unilaterally closing my account. On XX/XX/year> I called XXXXarcus, spoke with several representatives and was advised that Marcus would return my funds through a direct deposit, or, if it was unable, would call to advise me it would issue a paper check. Having received no refund or call, I called Marcus again on XX/XX/year> to seek my money. Marcus advised me that it was currently reviewing my account and that it would return my money upon completion of that review. I advised Marcus that it had unilaterally closed my account. I asked for an explanation of what the review process was. Marcus could not provide any explanation ; its representative XXXX XXXX XXXX stated she did not know what the review process was. I asked how long the review process would take. XXXX could not provide a time period or even an estimate of the time period. I asked XXXX to direct me to somebody who could answer these questions and XXXX advised me that she was the only person I could speak with. As a result, I understand that Marcus is improperly in possession of my money ( {$210000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally complain about the excessive late fees charged by LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, which exceed double the amount of my credit card balance. My original balance was a {$250.00} line of credit. I experienced a hardship and late fees accumulated to more than the line of credit and then the account was passed to a collection agency who is demanding I pay more in late fees than the actual line of credit. This practice violates the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ), which mandates that late fees be " reasonable and proportional '' to the costs incurred by issuers. The CFPB 's recent rule sets a cap of {$8.00} on late fees, yet I have been charged significantly more, without justification based on actual collection costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX data breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am following up on an earlier complaint. I read the response from the company. They sent a letter to an address I never lived at. I have been a victim of identity theft and I never received correspondence to my correct address. There were multiple months shown on my credit report of a charge off which is inaccurate the company charged off the account one month not multiple months now seeing the letter they submitted it was sent to an address I did not live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This complaint is related to Complaint No. XXXX, submitted on XX/XX/XXXX. I am still waiting for CapitalOne to respond to that complaint. 

As noted in that complaint, before passing on a refund from XXXX caused by a cancellation of a reservation, CapitalOne insisted in deducting the full balance due on my credit card ( {$670.00} ) even though a payment on that balance was not due until XX/XX/XXXX. 

Much to my surprise, on XX/XX/XXXX, while my complaint was still pending, CapitalOne withdrew an *additional* payment of {$670.00} from my checking account. Since that payment had already been made by deducting it from my refund from XXXX, I was shocked. I received no notice that an additional payment was going to be taken from me, or whether or how I could prevent that payment. 

It should be noted that under my credit card agreement, no payment whatsoever was due. The entire balance due had already been paid, and no further payment would be due until XX/XX/XXXX. CapitalOne has essentially stolen interest I would earn until that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TX

Complaint narrative:
I have been paying on my student loans for close to 15 years and I owe more today than I originally borrowed. I was told to request a forbearance or defer payments to make my account current without being told about the repercussions. They have also purposefully made my payment date a week after the due date and did not inform me of this issue until I noticed I had a large amount of late payment fees.

Company response to consumer: Closed with explanation