vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I went to a XXXX bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since XXXX wasn't my bank I would need to file a dispute with my bank ( USAA ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly six weeks I received a notice from USAA stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me two paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from USAA. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at XXXX said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am filing this complaint against Covington Credit due to XXXX XXXX XXXX trying to collect an alleged debt that has not been validated. I am filing a complaint against Covington credit because they are listed as the original creditor of the alleged debt, and XXXX XXXX has no verifiable information such as a website, phone number, address, and they are not listed on the CFPB or XXXX 

Additionally, XXXX XXXX has failed to provide their license to collect debts in the state of Texas. After conducting my own search through the Texas State Comptroller, I have found that XXXX XXXX XXXX is not registered to conduct business in Texas. Their business transactions have also been forfeited in the state. These actions indicate that they are engaging in illegal business practices within the state. How did Covington credit sell this debt to an unregistered business? I am convinced that they both are illegally trying to collect from consumers. 

Given these violations, I am requesting the immediate removal of this tradeline from my credit report. Furthermore, the information reporting on my credit report is inconsistent between all 3 credit bureaus. I am attaching an invoice for the damages caused by their negligence and FCRA/FDCPA violations. I am requesting that Covington Credit remit payment to the address listed on the invoice. Failure to comply will result in legal action, where I will seek statutory and punitive damages for their unlawful practices. 

Covington Credit has also been accused of a loan churning scheme according to the CFPB and I will use this information in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
Today XX/XX/year> i transferred XXXX in to my account making my balance XXXX i spent XXXX dollars and my balance is now XXXX. I have the alerts it tells me what I spend and when it comes out. I called the bank and they are trying to tell me its a pending charge that came out however it did not come out today I have no alert and I have never swiped my card and something come out days later. I looked at my card before I used it at the gas station and know the balance before and what it was supposed to be after I have XXXX dollars missing. they hung up on me and told me they cant help me any further because I wanted to speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
I talked to Equifax and XXXX and I was told their credit scores aren't reported the same as XXXX which are XXXX XXXX XXXX. My issue is their reporting I have very bad credit their reporting under XXXX. No collections late charges or bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I woke up this morning and to my shock, found that inaccurate accounts had appeared on my credit report, and Im completely baffled as to how this could have happened. I regularly check my report, but this time, there were these unexpected errors that just came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The incorrect accounts were still there. Now Im really hoping that the documents I've provided will be examined thoroughly so I dont have to stress about this again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit 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 non-monetary relief
Consumer complaint received 2024-09-24 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX on XX/XX/2024, complaint number XXXX regarding a collection account from National Credit Audit , that is currently reporting on my credit report. I provided XXXX with a copy of the XXXX Police Report, and FTC Statement. XXXX, came back on mutilple occasions and stated the account was verified. At this time I would like for XXXX XXXX XXXX to provide the documentation that they used to verify and vaildate the accuracy of the collection account according the FCRA, by conducting a reasonable invesitgation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I am a victim of identity theft. A credit card account was opened with Barclays bank for a " Jet Blue XXXX '' card ( ending in # XXXX ), to which {$4100.00} was charged. I did not open the account, nor did I authorize someone to open the account on my behalf. I have never accessed the account online or otherwise, nor have I received nor used a credit card associated with the account. 

I have repeatedly requested that Barclays conduct a fraud investigation, close the account, and report the occurrence accurately to all CRAs. I provided a written copy of the FTC 's notice to furnishers demanding they comply with the FCRA, as well as an FTC identity theft report ( report number XXXX ), a police report ( XXXX police report XXXX ), and a written statement requesting that Barclays close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit files. This information was most recently sent via mail on XX/XX/year>. 

Despite these repeated requests on my part, Barclays continues to deny my fraud claim, report the account as legitimate to CRAs, and request payment for the charges on the account.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I do not know of this agency not do I owe them a debt. I've requested a copy of the original signed contract with my signature and it has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I've requested to send me validation and proof of late payments reporting and how they retrieved that information since it didn't come from me. I never gave consent to report on my credit report and these companies are in violation of my privacy rights. 

The negative accounts that are reporting on my credit report are below. 

Late Payments ( Defamation of character ) Account Reporting : 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
Consumer complaint received 2024-09-24 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: WI

Complaint narrative:
Upon reviewing my consumers report i stumbled upon a few accounts listed that do not belong to me. I have never given these companies my information whatsoever. Here are the accounts below : 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 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 2024-09-24 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: MS

Complaint narrative:
I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. '' PLEASE READ THE ATTACHED FTC REPORT IN DETAIL

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 2024-09-24 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: MS

Complaint narrative:
I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. '' PLEASE READ THE ATTACHED FTC REPORT IN DETAIL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy and 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy and 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I asked the credit bureaus to verify this debt because I do not owe this debt. According to NCB Management, the amount of said debt is {$7700.00}. NCB supposedly verified the debt with the credit bureaus but this is fraudulent because I do not owe this debt. I tried to dispute this debt with the credit bureaus again last week but I was told that I was not allowed to do so because this debt had already been verified. This has been on my credit report for years. According to the XXXX  XXXX of the Attorney General, XXXX was involved in a Class Action Law Suit. This account should have been deleted. 

The original creditor was XXXX and NCB Management said this account was sold to them. They are fraudulently trying to collect money from me and have placed a collection on all 3 credit bureaus. XXXX sold the vehicle and sent me a refund check for the overage. It's impossible for me to owe NCB Management any money. I am requesting that this collection report be deleted immediately from all XXXX credit bureaus. Also, they are in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My tax refund check was deposited into my chase account for XXXX XXXX XXXXXX/XX/year>. The bank expected fraud and closed my account. I gave all information that was asked from the tax professional and they will not release my funds.

Company response to consumer: Closed with explanation