vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, the discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating that my rights as a consumer are being ignored and violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Longbridge Financial, LLC
State: CA

Complaint narrative:
Due to the ever increasing home/auto insurance, utilities etc I was only able to make 2 partial payments on my property taxes-proof was sent to the lender several times with a copy of the Tax Collectors site indicating that partial payments can be made if the full payment for the period could not be made. I rec 'd several scary letters from the lender indicating I was delinquent & in default and foreclosure would be started by XX/XX/year>. At this age I desire not to be homeless, plus my home is worth approx $ XXXX. Why would this lender pursue foreclosure for {$1500.00} remaining on my property taxes which I have indicated will be resolved within a few weeks. 

It's very distressing to get these letters from different departments days apart. I can't sleep, eat nothing with this pending horrific nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2024 .my account what happen? can you send me the document?

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 monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Bank unilaterally placed a hold on XXXX of our joint checking account in North Carolina. 
The accounts contain SS deposits as well as several retirement account fundings. 
Bank refuses to talk to us and suggest hiring an attorney. We are not able to hire attorney because all our money is frozen. 
The total amount withheld is {$25000.00}. 
Bank is First Citizens Bank, in Cashiers North Carolina XXXX Bank XXXX attorney is : XXXX XXXX XXXX. He is the person that ordered retirement funds frozen. 

Account representative with First Citizens is : XXXX @ FirstCitizens .Com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my funds in my account for my son XXXX XXXX or XXXX XXXX and XXXX XXXX for our income payment for ssi/ssa {$940.00} and ssa/ssi {$22.00} to be returned to social security administrators because yall close my account out on XXXX XXXX and social security administrator told me today the payment for XXXX or XXXX and me XXXX XXXX sent to yall on XX/XX/year> and they claim it was fully processed and I told them they closed the account on XX/XX/year> before yall send wells Fargo my son and my payment and they told me to contact yall and tell yall to send the payment back to social security administrator so they can reissued it to my new bank account for me and my son because we need it asp to pays bills and stuff the account number is XXXX etc. 
My name is XXXX XXXX XXXX and contact me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
These late payments do not reflect my usual on-time payment habits, so I need you to correct the information and adjust my accounts promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
After discovering more fraudulent accounts on my credit report, I contacted the companies involved, and they have confirmed these accounts as fraudulent and closed them out. Despite this, these fraudulent items are still appearing on my 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 2024-09-03 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: Self Financial Inc.
State: TX

Complaint narrative:
This was a credit card attached to a " credit building '' account but was separate. I paid into the " credit Building '' account and paid the credit card on time. Eventually the " credit builder '' was paid to the full amount, and I requested the money. They informed me that because I had a {$400.00} balance on the credit card it was their policy to withhold money they owed me until the credit card ( which had a XXXX dollar limit ) was paid in full. At the time I had an urgent need for my money, but they would not release it. I told them that our relationship was severed, that they could pay the credit card from funds in my " credit builder '' and return the balance to me, which they did in 60 days. Since then they have consistently reported a late payment on the credit card, and it has negatively effect my credit report, even though both account appear as " paid in full, XXXX balance ''. How can they do this? It has created a hardship and adversely affected me when I need to use my credit history to secure other types of loan, including my ability to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/year>, I received a phone call from Bank of America 's Fraud department that somebody had applied for a credit card in my name. They had my name, email address, SSN, and DOB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I requested for innovis and XXXX  to review my file never got an answer from both this was last XXXX called and said investigating but never got notification nothing suddenly my file got locked out and will not give me acess to it anymore send docs as the supervisor requested to both and nada I am fed up and need assitance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: KS

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX we received notice that our Capital One 360 card had been closed, due to inconsistency with their expectations for account usage. We recently had made payments to the account ( not the payment promise to pay amounts due every month ) that did not clear, due to insufficient funds. It should be noted that the minimum payments ( promise to pay ) according to the consumer agreement were paid and cleared our accounts every month. The additional payments we attempted to make were not cleared. As a result, Captial One closed out the account and it was reported to the credit bureau causing us to loose points on our credit score. Also, it should be noted that their customer service representatives told us we would not be penalized for those extra payments ( not the minimum payments due ) if they did not clear. Our minimum payments due ALWAYS cleared our bank accounts.Capital One 's consumer agreement also does NOT state I REPEAT does NOT state your account can be closed due to insufficient returned payments. I will attach the agreement to this complaint. Capital One breached its consumer agreement and closed our account, causing damage to our credit score over returned payments ( which the consumer agreement does not state we would be penalized in this way ) for trouble clearing additional payments to the account. We PAID ( the promise to pay ) minimums on this account ) as indicated in the consumer agreement. Other payments made were NOT promised to pay and were at our discretion to make. We were only obligated to pay what they asked for which was the promise to pay the minimum payment due. They closed our account anyway which was unfair and UNJUST. Capital One should reopen our accounts or agree to cancel our balance due to their breach of contract and unjustly closing our consumer account for terms NOT stated or laid out in the consumer agreement nor agreed to by us the consumer. The bottom line Capital One penalized a consumer for terms not in the consumer agreement or their own policies and as a result, closed our account and damaged our credit and they should be HELD accountable. Legal action is being considered at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
My account with Equifax 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 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. 


Equifax 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 2024-09-03 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
In XX/XX/XXXX I was Late paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make 3 months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me XXXX days late every month until XX/XX/XXXX. They should have only submitted the one late payment from XXXX but have shown me late even when making all payments at their new amount on time since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
In XX/XX/XXXX I was Late paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make 3 months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me XXXX days late every month until XX/XX/XXXX. They should have only submitted the one late payment from XXXX but have shown me late even when making all payments at their new amount on time since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
In XX/XX/XXXX I was Late paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make 3 months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me 120-149 days late every month until XX/XX/XXXX. They should have only submitted the one late payment from XXXX but have shown me late even when making all payments at their new amount on time since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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