vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: FL

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: TN

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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.

( CREDITOR NAME ) 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 2024-06-20 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: TN

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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.

( CREDITOR NAME ) 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 2024-06-20 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter

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 2024-06-20 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:
Submitted previous complaint. Transunion did not fix the issue. 

XXXX accounts, that were included in Bankruptcy are reporting as opened on credit report. 
These accounts were discharged in Bankruptcy, as such, they should be reported closed. 


XXXX XXXX & XXXX XXXX are showing as " OPEN '', which is not correct Transunion violates 15 U.S. Code 1681c, Texas Finance Code Sec 391.001-.002 , Texas Business and Commerce Code , Chapter 20 , Sec. 20.05, The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. Violations of these statutes carry both civil and criminal penalties.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: CA

Complaint narrative:
I was XXXX XXXX in another state I received care during my whole XXXX at multi health care clinic I was unaware they charged me for each visit due to me having insurance with XXXX XXXX in another state I was sent a letter to pay a medical bill from ameri collect to pay the debt and I never shared my information with them so I feel my rights have been violated according to the hippa law A " designated record set '' is defined at 45 CFR 164.501 as a group of records maintained by or for a covered entity that comprises the : Medical records and billing records about individuals maintained by or for a covered health care provider ; Enrollment, payment, claims adjudication, and case or medical management record systems maintained by or for a health plan ; or Other records that are used, in whole or in part, by or for the covered entity to make decisions about individuals. This last category includes records that are used to make decisions about any individuals, whether or not the records have been used to make a decision about the particular individual requesting access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of 2023, I received an escrow statement from the mortgage holder that showed my monthly payments going from {$1800.00} to {$3200.00}. Upon inspection of the statement, I noticed that suddenly school and property taxes were being withheld for XXXX properties that are not part of the mortgage. I then noticed that property taxes for those XXXX properties had been paid the month prior for a total of {$3800.00}. I contacted them immediately to point out the error and was told they would look into it. They acknowledged the problem and over the next XXXX  months or so, they would tell me that it was being worked on as a high priority. In XXXX of 2023, another {$13000.00} total in school taxes were paid from the escrow account for those XXXX properties. In XXXX, I also got another escrow account statement that showed my monthly payment being reduced from {$3200.00} to {$2500.00} for some reason, but also still showed projected payments for those XXXX properties. In XXXX of 2023, I got another escrow statement that showed another reduction in the monthly payments to {$1800.00} and finally no longer showed projected payments for those XXXX properties. I contacted my township to try to get the tax payments returned, and they said XXXX of the payments would go back to the mortgator, so I called the mortgator several times to get them to forward the payment back to me and not to reduce principal or credit payments. In XXXX of 2024, another statement showed that at least some of the refund went into escrow and the monthly payment was reduced to {$1600.00}, which means I won't be made whole for the overpayments for another year or so. In total, {$17000.00} in taxes was over-withheld and paid, requiring me to borrow money and cash in early on some retirement saving to cover my monthly payments. In other words, I paid dearly for their mistake, and they have suffered no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Scammer perpetrated being a verified seller of XXXX XXXX tickets. He said he had two for the XXXX location for {$350.00} each. I should have thought it over more. He gave me a phone # to transfer money to Zelle, which I did, {$700.00}. Obviously I received nothing in return, and he did not answer any attempts of contact.. I gave it a day or so and requested the money back through Zelle with the memo to please refund my money or send the tickets as per agreement. Nothing. Today I was going to request again, but now when I put the number in Zelle, I get " Something went wrong. There is an issue with this mobile number ''. Of course there is. It also appears I have been blocked from the ticket resale site.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
Experian, XXXX, and XXXX are reporting inaccurate information on my credit report as a result of identity theft. FTC report attached.

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I entered into a settlement agreement with Amex thru XXXX XXXX XXXX XXXX. This was for XXXX payments totaling {$6000.00} to be paid by the XXXX of XX/XX/year>. I paid both payments to the account that XXXX XXXX XXXX XXXX instructed me to. The next week i receive a letter stating that my account was handed over to a new firm called XXXX XXXX XXXX. They had no knowledge of the agreement. I emailed XXXX XXXX and asked if they received the last payment and he responded on XX/XX/XXXX that they received the money and it was transmitted to Amex. Amex never received the money. My accounts continued to be reported as delinquent or derogatory. I have been continuing to email and call Amex, which they in turn send me to another company called XXXX XXXX XXXX XXXX, then they send me to XXXX. I have finally had some progress on this within the last week or so. The payment was sent to Amex by XXXX, but the accounts are still showing balances, and my credit reporting has not been fixed yet. My credit scores have dropped significantly since I made the final payment in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: MD

Complaint narrative:
i recently have reviewed a copy of my credit report and noticed Ive had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-20 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
on XX/XX/year> I bought a car thru XXXX XXXX and by the XXXX of XXXX I returned the car due to a lot of issues with it I wasnt given a bill of sale a title or any of that. I never got my money back I've asked serval time and made serveral disputes I want my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/XXXX I requested via certiied mail, return reciept requested, that the company provide me documentation that I had applied for credit with them. I provided a copy of my Drivers License and a page showing the inquiry on my credit report. I have absolutely no idea what this company is, nor what they offer. 

The XXXX XXXX was signed for by the company on XX/XX/year>. I have not received any communication from them. This inquiry remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-06-20 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-20 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

These companies has also violated 15 U.S.C. 6802 violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
XXXX XXXX XXXX publicly advertises on its web site that : " Escrow.com will charge your credit card transactions as ordinary purchases. '' However, after Wells Fargo and XXXX charged my credit card purchase as a cash advance, XXXX then stated : " We want to assure you that XXXX does not have control over how financial institutions categorize transactions, such as whether they are processed as purchases or cash advances. This decision is solely determined by your bank 's policies and systems. '' Wells Fargo Bank then claims that : " Please understand that Wells Fargo does not have the ability to control how a merchant chooses to classify their business transactions. '' XXXX Wells Fargo Bank is lying when they claim they can't control how the merchant chooses to classify their transactions, or XXXX is lying when they claim they do not have control over how financial institutions categorize transactions. 

Either way, if a merchant publicly advertises that a transaction will be handled as a purchase, and not a cash advance, then BOTH the merchant, AND the bank, should honor the advertised policy.

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 2024-06-20 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: IA

Complaint narrative:
I did not do business with any of these companies.

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