vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
My account 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.

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 2024-09-14 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: PA

Complaint narrative:
I was absolutely shocked to see inaccurate accounts on my credit report this morning, and I have no clue how they ended up there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser thinking it might be some glitch, but unfortunately, the false accounts remained. I am deeply concerned and ask that the documents I've sent be reviewed thoroughly so I can stop stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: PA

Complaint narrative:
My account with XXXX XXXX SERVICES and XXXX XXXX BANK XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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, XXXX, XXXX and XXXX for XXXX XXXX SERVICES and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX BANK 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 XXXX  days before the payment due date. XXXX XXXX SERVICES and XXXX XXXX BANK XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not affiliated with the creditors mentioned, and these inquiries are not mine.

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 2024-09-14 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: CA

Complaint narrative:
Experian is reporting incorrect information and there is no one who can assist in the matter. 

I disputed the information a number of times online yet it keeps coming back incorrectly. 

Have called experian a number of times but they dont have any customer service agents available. 

Had a lease with XXXXXXXX XXXX  Returned the car to the dealership when the lease was up in perfect condition. 

Someone at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, damaged the vehicle, XXXXXXXX XXXX sent a letter to me for damages. Reached out to the dealership to address multiple times, they would not do anything, nor did they send me a video of who caused the damage. 

I paid XXXX in full the amount owed- the damage caused after the vehicle was turned in Account keeps showing as not paid in full

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly Equifax, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the 2017 Equifax data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within four business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
COLLECTION ACCOUNT FROM JEFFERSON CAPITAL SYST WITH ACCOUNT # XXXX AND A BALANCE OF {$3800.00}. THE ORIGINAL CREDITOR IS XXXX CREDIT. I NEVER HAD A CONTRACT WITH THIS DEBT COLLECTOR FOR ANY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been paying my business credit card payment early, always above the minum payment. I have had no activity on the card in more than two years, just paying on a low balance. I finally closed the card account just over a year ago.

I have been paying the business card payment from my personal Bank of America Account since I closed my business more than two years ago. 
My XXXX payment was due on XX/XX/XXXX, minimum payment due was {$160.00}.

I paid it, early as usual, on XX/XX/XXXX. and paid {$200.00}. On XX/XX/XXXX, I logged onto my account to view my balance and noticed a debit charge " in process '' Description PAYMENT TO ACCOUNT XXXX XXXX ON XX/XX/XXXX VIA CALL AGENT for {$160.00}. 
I called bank of America and spoke with customer service they had no idea what the charge was where it came from and offered no explanation. I recognized the last 4 digits of the account number to be my CLOSED card account that I have been paying on. I called Business services and after researching and letting the customer service rep that I had NOT set up any auto debit. I manually pay early monthly etc. She places me on hold, comes back and tells me that Bank of America DEBITED my PERSONAL account to pay my monthly credit card payment on my BUSINESS account.

I asked WHY, I have never been late, always early and pay over the minum balance. THEN she informs me that they have been doing this for the past 14 months!!!!! DOUBLE DIPPING. I have been paying them and they have been extracting the monthly minimum payment from my account. No one contacted me by mail, by email, by phone - and asked they just simply started debiting my personal account. 
I have been preoccupied with the recent XXXX XXXX XXXX XXXX  of my husband and have not been monitoring the account closely. Needless to say, I was in tears. HOW IS THIS LEGAL? I could understand If I were late, skipping payments, but I HAVE NEVER BEEN LATE.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
First, they sent me a link with a document that does not reflect the original loan amount, or the amount disbursed, and the name of the lender is different. The document they attached in the link was dated XX/XX/year>. I had to drop out of the university in XX/XX/year>, since my husband got XXXX and I had to move to another state for him to receive treatment for his illness, therefore the university was supposed to return the loan to the lending company, because I did not attend the University. ( I attach the document that verifies the cancellation of the loan ). In addition to this situation, I received forgiveness of other student loans with XXXX XXXX  due to the approval of the Borrower Defense program, due to the misleading and misconduct practices of the University ( Attached document ). This whole situation has caused episodes of XXXX XXXX XXXX, because I had to repeat a year of the study program since it became difficult to find a university that would accept transferring the credits and I had to acquire more student loans, in order to finish an XXXX XXXX in which full-time job positions are limited, also my credit has been affected making it impossible for me to buy a home. To correct this situation, I request that ESCI, XXXX and the collection company send me the loan cancellation letter and send the information to the credit agencies so that they remove the loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello. 

I was injured and called Kia/Hyundai and we agreed on a 2 month deferment. Meaning XXXX and XXXX Payments would be added to the back of the loan with no penalty besides interest. This would make my first payment due XX/XX/XXXX. 

The agent told me I was all set now they went and reported my payment 30+ days late even though I called 3-4 days prior to 30 day late mark! They assured me I would not have to worry about being reported delinquent. 

please help me Im desperate as this dropped my score XXXX  points after being told I had a deferral.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient put an account in collections. They never reached out to me to verify. Ive had my other school loans in good status and they placed this in collections, without verifying if it belong to me. I would like to see if this account is truly mine, I tried to appeal it and they could never verify when or if theyve ever reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OK

Complaint narrative:
My loan was transferred from servicer XXXX to servicer Edfinancial in XXXX XXXX XXXX. At the time of the transfer, my account was in a paid ahead status through XX/XX/XXXX as a result of a large lump sum payment processed in XX/XX/XXXXXXXX XXXX The remaining billing periods with XXXX ( XXXXXXXX XXXX ) all reflected statements with XXXX balance and next payment due date of XX/XX/XXXX. When my loan transferred to Edfinancial, Edfinancial reverses these payments, then applied the lump sum payment from XX/XX/XXXXXXXX XXXX  to the outstanding loan balance instead of applying it towards future monthly bills. I became aware of this immediately upon creating an account with Edfinancial once the servicer transfer was complete and immediately contacted them by email, account messaging, and phone to correct the issue. I was told multiple times that there was nothing they could do about it. Finally someone told me they could initiate an investigation into my account details in order to correct the error in payment application. That was in XX/XX/XXXXXXXX XXXX Since then I have uploaded all necessary supporting documents and they have done nothing to resolve the issue. In the meantime, my account is now showing past due since XXXX with a large " past due '' balance. The correct, original date of my next due payment is approaching and I have no way of paying it appropriately, as my account is carrying a past due balance. I requested that they place an administrative forbearance on my account given that the delay is entirely their responsibility and I am willing and able to pay the correct due amount on the correct due date, but they can not tell me what or when that is, nor record it properly in my account- they have refused. They are now refusing to process the account investigation and refusing to place an administrative forbearance on my account. I spoke with a representative today, XX/XX/XXXX, regarding the situation and she confirmed that she does see the uploaded documents showing my next payment due date as XXXX as well as all other supporting documents confirming that my account is not past due for any amount, but still refused to assist in any way, telling me I just have to wait for them to " process '' things with no estimate on when they might correct my account. In the meantime they refuse to provide any solution for the past due amount or continued accrual of past due balance and say the in order to pause payments on my account I will have to use my own forbearance allotment. They have offered no other solution and I have no options unless I pay for legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Unauthorized inquiries 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXX/XX/XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXX/XX/XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXX/XX/XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-14 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX Date XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$17000.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$73.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX STAT {$1100.00} XX/XX/XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX {$2400.00} XX/XX/XXXX XXXX SYS {$1000.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$4800.00} XX/XX/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