vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX  XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their XXXX  credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their XXXX  credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their graduated credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Penfed Credit Union erroneously charged XXXX late fees between XX/XX/XXXX and XX/XX/XXXX equaling {$3000.00}. 

These late fees were applied in error as payments were rendered in advance for far greater amounts than required. These payments were incorrectly applied as payments for prior months due to what was communicated as PenFed system limitations by customer support resulting in the erroneous late fees. Customer support acknowledged these issues and stated they could only credit the most recent late fee as the additional would require supervisor authorization. Multiple supervisor requests for the remainder late fees had been submitted to remove the late fees. I have not received any acknowledgement back from supervisor of these requests and still see the erroneous late fees on my statements. This formal complaint is to escalate for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: NC

Complaint narrative:
This is not my debt. This debt belongs to someone with a different name than mine. The company has fraudulently reported the debit to credit bureaus added an address that I have never lived and it is now on my credit report. I have not been notified of the debt. Also this company is can not legally collect a debt in the state in which I reside.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an unauthorized inquiry not that was not initiated by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NH

Complaint narrative:
am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I see on my credit report an unauthorized inquiry with Bank of America from XX/XX/year>. This inquiry was not initiated by myself and I would like it to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was used to obtain inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I noticed in XX/XX/2023 that it was a closed account with a balance and now Im trying to get it off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
Received a letter from " XXXX XXXX XXXX XXXX XXXX. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, 2024. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by XXXX based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore this is also a violation of the Privacy Act of 1974. I, the consumer have informed the credit agencies and the creditor that per the FCRA as a federally protected consumer I am opting out of any and all authorization i the consumer may haven given them written, non written, verbal and non verbal per 15 U.S.C. Section 6802 and 16 C.F.R. 313.7 ( f ). The creditor has failed to respond to my request for validation, notice of billing error, to provide an application and promissory note, to provide me with full accounting and to answer if this account is a loan. According to XXXX XXXX XXXX this alleged collection is not the result of a credit transaction and should not be on I, the consumers consumer report. Also it should be noted that I, the consumers identity was stolen and used to create credit unknown to me the consumer and this creditor has refused to provide me the consumer any information about the transaction. It is my opinion that XXXX XXXXt is a rush to judgement into a default judgement which is against the law and it is also a violation of Constitutional due process. Who received the loan? Why is the terms 0 months? And what was the original loan amount that was received because I the consumer didnt receive any funds from the transaction. Without this creditor providing me, the consumer valid and relevant information I, the consumer have no other ways to understand what, who and why this alleged debt exists. This creditor and the credit agencies have damaged my reputation with the banking industry thus hurting my ability to get good interest rates and be approved for credit. This is not full transparency. Please investigate this issue post haste so I can collect more information to file a police report etc. and remove this inaccurate and false information from my consumer report. I would also like the method of verification used to verify this alleged debt and I want the original wet ink signature contract showing my, the consumer signature on it that is supposed to be on file. Be advised that per 15 U.S.C. Section 1681 ( n ) the alleged creditor and the credit agencies that it is {$1000.00} per violation. Respectfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I recently transferred my account over to citi bank less then XXXX weeks ago last XXXX days my card sound I didn no why but I soon found out they wants to verify me thats no problem I call to be verified I have counter a women who kept asking me bout my voice and basically judging me from the way I talk I XXXX when she asks me if Im me I told her yes she then said she call to verify me but she said dont pick up the phon n dont disconnect the call instead she calls me twice I tell her I see u calling me the bc thing she says is you didn pick up the phone I tell her u told me not to I asked all those questions prior to her call to be sure I understood her correctly all of a sudden she says I cant verify u because I have exceeded all my options and yet there was no options

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I SUBMITTED DOCUMENTATION AND THE ACCOUNT WAS REMOVED TODAY I NOTICED THAT THE ACCOUNT REAPPEARED ON MY CREDIT REPORT. I AM REQUESTING THAT THESE ACCOUNT BE REMOVED 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
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This is an unauthorized inquiry not that was not initiated by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
The call leaves a recorded message saying a woman 's name and that she is with Diversified Adjustment Services. She does not ask for any particular person. She just leaves a number to return the call. It is the same recorded message every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NH

Complaint narrative:
am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the XXXX XXXX Rights and Privacy Act ( XXXX ), specifically 20 USC 1232g. 

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: FL

Complaint narrative:
There is somebody that has my same first name same last name. He has a middle name drivers license the same only off by XXXX number and I was trying to renew my insurance. My insurance company, which is XXXX stated that I have a bunch of violations on my record, which is not me I was able to find the person due to an investigation that was done I have tried to get a hold of the third-party company that does verifications for the insurance company to let them know that thats not me and show them the police report and paperwork that I have to support. It have not been able to get a hold of them or get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone stole my identity over XXXX years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a XXXX XXXXXXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Someone stole my identity over 5 years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a major XXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
I asked for the date that the bill was due. This bill is too old to be on my credit report. They are going by the date Small claims filed, which is Long after the bill was due so they should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: VA

Complaint narrative:
EQUIFAX ILLEGALLY AND IMPROPERLY USED MY REPORTS TO REPORT A BALANCE THAT IS NOT DUE FOR 21 DAYS ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have already sent in a letter stating midland management do not have authorization to collect in my state which is in violation of federal law. midland credit is not authorized to collect in my state georgia .I demand them to remove this collection immediately. I have filed action with XXXX and if not removed I will be seeking legal action

Company response to consumer: Closed with explanation