vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX  or XXXX calling me harassing me threatening me to pay and I know the debt was sold to them and the creditor bread financial charge it off and sent this to my credit report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help 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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and the following inquiries on my credit report were not authorized by me. I request that these fraudulent inquiries be immediately removed from my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of fraudulent information.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission, and their presence is causing harm to my credit. Please investigate and remove these inquiries 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 2024-11-14 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: MS

Complaint narrative:
I viewed my consumer report and noticed incorrect personal information and disputed to the bureau requesting all incorrect information be removed from my consumer report and I sent the correct information to update but the update was not made and incorrect information is still on my consumer 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Wakefield and Associates XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a medical debt you claim I owe. Please be advised that I do not recall entering into any agreement or contract with your company regarding this debt. As such, I request that you provide me with detailed documentation verifying that I owe this debt, including the following : A copy of the original contract or agreement that I signed ( if applicable ).

An itemized statement showing the charges that make up the total debt.

Verification of your authority to collect on this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities until this information has been provided. If you are unable to provide this verification, I expect the debt to be removed from my account and any reporting agencies.

Please send all correspondence regarding this matter in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Because of XXXX 's Data Breach my credit has been impacted by negative fraudulent accounts and items

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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
Hello XXXX had froud transaction on XXXX  account XXXX which he did extra secure with the XXXX and XXXX XXXX When he run XXXX  XXXX  he found out about a new XXXX from XXXX XXXX XXXX  XXXX XXXX that hired Genesis XXXX XXXX XXXX with dispute the lein and close the case for XXXX We would like to make sure the creditor close the account too please see attached police reposrt credit search XXXX XXXX approval and dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-11-14 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: MS

Complaint narrative:
I reviewed my consumer report and noticed this account on my report with inaccurate and inconsistent information with all XXXX bureaus. The last verified date does not match the time frame that I requested the account be verified even though I received notification back saying the account was verified. There are XXXX different date of last activity dates, which XXXX is correct? There are different date opened dates. There are different last payment dates, and the dispute status says account not disputed when I have indeed disputed these accounts multiple times. This account does not match the record of any accounts I have and all of the inconsistent information makes it difficult to know what is correct. I noticed several inconsistencies and incomplete errors regarding these XXXX accounts. These accounts are hurting and preventing me from getting my approved for my dream home. It is your duty to ensure that ALL information reported is COMPLETE AND MOST IMPORTANTLY ACCURATE. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. 
In the case of *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court highlighted the necessity for credit bureaus to maintain accurate records and perform reasonable investigations into disputes. The inaccuracies on my report are negatively affecting my credit score and overall financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
I was charged {$60.00} copay from XXXX XXXX on XX/XX/year>. The bill said that my insurance ( XXXX ) covered {$300.00} of the procedure. 

I kept getting emails and physical letters about a leftover {$300.00} bill from this procedure. Just a month ago, I got a call saying that if I don't pay this bill, it would harm my credit score, I would be bothered by a debt collector, etc. 

I tried called XXXX XXXX XXXX this, and they said they are not allowed to discuss bills (? ). So I felt lost. I ended up paying this bill of {$300.00} because I was scared and never dealt with this situation. I've changed insurances since ( new job ), and looking back, I have no clarity of what the bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My personal information was part of a data breach and some unknown person used my private information to commit fraud and make me a victim of identity theft. Since this has happened multiple accounts have been established without my knowledge or consent and I have negative accounts from this identity theft showing on my credit report and there are collections from LVNV Funding LLC on my credit report from this incident. On XX/XX/XXXX I mailed LVNV Funding LLC and the credit bureaus with a police report, ftc affidavit, and other documentation proving the data breach and identity theft but LVNV Funding LLC and the credit bureaus did not remove the negative accounts from my credit. These are the fraudulent accounts that LVNV Funding LLC is reporting to the credit bureaus. LVNV FUNDING LLC {$9600.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX LVNV FUNDING LLC {$24000.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX I've already consulted with a consumer law attorney and he tells me this may be a violation of the Fair Debt Collections Practices Act for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: MS

Complaint narrative:
According to 15 USC 1681E8 You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act Delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Bank Visa fail to cancel my card and issue a new one once i reported the fraud charges. The fraud team could not speak XXXX clearly. I ask for another person. The person wasnt much better. I got a new card 3 months later. They use a script to answer my question. Could not have a regular conversation. I had refuse to pay and they hurt my credit rating. I also did not activate the new card. This happen XXXX if 2023. They harass me on the phone and ask the to stop calling me. I would recieved letters stating they wanted me to call. I called before their deadline. Then they gave me a letter stating i did not call and decline to investgate after several months of contact.

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 2024-11-14 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: OH

Complaint narrative:
The hard inquiries on my credit report violate 15 USC 1681c-2, impacting my score. I request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom it may concern, I went into my local Truist branch to initiate a wire transfer to purchase a car out-of-state on XX/XX/year>. During my visit to the bank, the representative kept mentioning that I could be scammed out of my money by purchasing a car out-of-state. I advised her that I was aware and that I had validated the business through several channels, and I wanted to move forward. Although I wanted to move forward, she still expressed concerns with my wire request. We moved forward and she advised that the wire would be processed within XXXX. I received a call later that evening. The representative advised that she was with the Truist Fraud department. She asked me if I initiated the wire. I said yes. She asked me if I knew the person I was purchasing the car from, I said no. I told her that I was purchasing the car from a dealership. She asked me what kind of car, I told her a XXXX XXXX. She told me that I should look into XXXX as a safer option. She advised that I could be getting scammed by purchasing the car from XXXX. I told her to just cancel everything. I suffer from XXXX. The bank rep and the fraud department representative caused my XXXX  to flare. I took a few days to gather my thoughts and get everything together. I went back to the bank on XX/XX/year> to re-initiate the wire transfer. Again, the bank rep advised that I could be scammed. I told her that the dealership was legit and I am comfortable moving forward. She advised that the transfer would be complete within XXXX. Its been XXXX. I now have bill collectors emailing me that payments coming from my bank account are bouncing. I contacted Truist to find out that my account has been placed under review for suspension of fraud and that my account is up for closure and the wire transfer was cancelled. They neglected to contact me to let me know that my account was placed under review. I explained the issue with the wire transfers, and they advised that they can not take the hold off of my account. This situation is causing me severe mental anguish. I have no access to the funds in my accounts and the bank has failed to assist 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 explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I noticed XXXX charges on XX/XX/year> from the same merchant, one for {$61.00} and one for {$20.00}, I immediately notified NFCU, and they said they'd block my debit card, and mail me a new one and then they would open an investigation, they never investigated, 10 minutes after I called them about the issue, they emailed saying that after a " complete and thorough '' investigation they determined the charges belonged to me, funny thing is, someone kept trying to use the card that was no longer valid, even after NFCU said the transactions were minethis was one of two reports I made to NFCU about fraudulent transactions, the other one involved several transactions from the same merchant " XXXX XXXX  '' the total amount of all transactions from that merchant was {$3100.00}. NFCU did the exact same thing with that fraud report as they did with the first one, after a few minutes, they determined after a " complete and thorough '' investigation that the transactions belonged to me, this of course is laughable, and those transactions do NOT belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my XXXX  as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation