vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: MD

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I do not recognized the reported NTL Recovery Agency. Debt collectors are bound by the FCRA, as well as the FDCPA ( Fair Debt Collection Practices Act ). They must be able to provide proof that I owe the debt. Collection Agency have not complied with FCRA not FDCPA practices. Their no actions had caused me to be denied personal loans and had continued to affect my credit scores. I hereby request this collection be immediately removed from my credit files.

NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

They must be able to provide proof that I owe the debt. As of the date of this letter, this had not been accomplished. NTL Recovery Agency must be legally allowed to collect the debt and they must be licensed to collect in your state.

As a consumer, I have the legal right to dispute the validity of any collection inquiry, or account on my credit report. The debt collector or XXXX XXXX must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus XXXX XXXX XXXX ) are required to remove the negative items from my report thusraising my credit scores. XXXX has continued to report reference collection notices, with a total disregard to applicable laws and regulations. {$540.00}

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 2024-10-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is NO ONE to speak to in order to cancel auto billing of credit monitoring You are forced into voicemail XXXX with no way of getting out, no one to speak to. It is infuriating and clearly a way to not cancel

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 2024-10-04 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: AL

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I moved out of my apartment due to a military move, but I will still being charged for rent due to my inability to, physically return key, notified property manager, and was told that I would not be charged beyond my move out date. Later found out on report that they had attempted to collect the debt and had sold it to a third-party who is now stating I owe this, but I told them that I moved out of the apartment under the XXXX XXXX XXXX XXXXXXXX did not have to pay anything for early termination. Fax multiple request to verify collection agency would not provide debt verification to 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 2024-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AFFIDAVIT OF TRESPASS AND VIOLATION OF RIGHTS State of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX being duly sworn, depose and state as follows : Identification I am the Secured Party and XXXX beneficiary of the Faith Beyond XXXX XXXX, a 508 ( c ) ( 1 ) ( A ) organization, with a business address of XXXX XXXX XXXX, XXXX, NY, XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX I affirm that the XXXX XXXX XXXX XXXX has the legal authority to engage in transactions and manage assets, including the trust bond that is used as collateral. 

XXXX XXXX XXXXXXXX XXXX XX/XX/year>, I submitted an application for credit ( XXXX XXXX. : XXXX ) to Bank of America, N.A. for financing. 

Denial of Credit On the same day, I received a denial letter from Bank of America, indicating my application was declined based on various factors including " serious delinquency '' and " insufficient time since business established. '' Allegation of Trespass I contend that the actions taken by Bank of America, N.A. constitute a violation of my rights as a secured party and beneficiary of the XXXX XXXX XXXX XXXX. The denial of my credit application without adequate justification infringes upon my rights and trust property. 

UCC Provisions a. UCC 9-311 states that a security interest may be created in a negotiable instrument or in a right to payment under a contract. 
b. UCC XXXX establishes the enforceability of a security interest and indicates that the rights of the secured party are enforceable against third parties. 
c. UCC 1-308 allows a party to reserve their rights, providing that I retain the right to seek remedies for any trespass against my secured interests. 

Damage to Trust Interests The denial of credit undermines my trust 's ability to secure funding and leverage the trust bond, ultimately damaging its interests and capacity to operate effectively. 

XXXX XXXX I request that the actions of Bank of America, N.A. be reviewed and reconsidered, and I reserve all rights to pursue legal remedies for the violation of my secured party rights and interests as stipulated in UCC statutes. 

Affiant Signature : 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX DOB : XX/XX/XXXX SSN : XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : Request for Debt Validation To whom this may concern, it is important to note that this is I, XXXX XXXX and not a third party or credit clinic. 



This is a formal request for validation of the debt that I see reported on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) & 15 US Code 1692 ( g ), I have the right to request validation of the debt you claim I owe. 



It is also important to note that this is not an admission of liability also according to 15 US Code 1692 ( g ). 

Please provide me with the following information for Account XXXX XXXXXXXX : XXXX ) The amount of the alleged debt. 

XXXX ) The name of the original creditor. 

XXXX ) Verification that you are Licensed & authorized to collect this debt in the state of Florida. 

XXXX ) A copy of the original agreement or contract that created this debt, bearing my wet ink signature. 

XXXX ) A detailed statement outlining the charges and fees associated with this debt, including any fees, interest or other charges. 

Under the provisions of the Fair Credit Reporting Act, I hereby insist that these items be thoroughly investigated and expunged from my report. It is my understanding that you will conduct a reassessment of these items with the relevant and necessary creditor. I kindly request the removal of any information that the creditor is unable to verify. As per 15 U.S.C. Sec. 1681i ( a ), I expect this investigation to be completed within 30 days of receiving this letter. 

Please send an updated version of my credit report to the address stated at the beginning of this letter. As stipulated by the act, there should be no charge for this updated report. Additionally, I request that you notify all parties who have obtained my credit report in the past XXXX months of any necessary corrections. 

I appreciate your time and assistance in resolving this matter. 

Until I receive this validation, I dispute the validity of this debt and request that you cease all collection activities until you provide the necessary documentation. 

Please respond to this request within 30 days. Thank you for your attention to this matter. 

Sincerely, in good faith and clean hands, XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: WI

Complaint narrative:
XXXX XXXX {$1100.00} XXXX XXXX are dates for disputes I reached out to Experian in regards of a collection account I had no knowledge of. I filed XXXX disputes asking for initial demand letter, also known as a validation. Debt Collection Practices Act ( FDCPA ), which means a debt collector must make reasonable attempts to contact you before sending your debt information to credit bureaus. 

I asked for information and was failed to be provided with

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 2024-10-04 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: FL

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
From XX/XX/year> to XX/XX/year> I was scammed almost {$10000.00} from a man purporting to be from XXXX XXXX XXXX. As a result after letting XXXX know they closed my account. I thought I had lost the whole {$10000.00}. In XXXX I saw that there was now {$1300.00} in my XXXX account. I contacted XXXX by email ( almost impossible to contact a human being at XXXX by phone and even then they have no authority to do anything or see my account ) to let them know I'd like my money. They emailed and told me to go online, and download their check request form and submit it by email. This I did and within XXXX weeks I received my {$1300.00}. In XXXX I noticed there was now {$3000.00} in my account. I again requested my money and was told by XXXX, Case ID XXXX, to submit the check request form again and I should receive my check in XXXX weeks. I never received it. I have submitted this form ( check request ) to XXXXXXXX XXXX times with no response except to say the account is closed. Every month I receive a statement of my closed account showing the money ( {$3000.00} ) to be in my account. It is extremely frustrating as no human interaction to resolve this and most emails appear to be robo generated. I'm XXXX and at my wits end to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

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