vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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 EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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

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

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$29000.00} XXXX - XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I have filed with the CFPB and all of the credit reporting agencies. This company needs to be shut down! They have ruined my credit with this continued fraudulent reporting to the credit bureau. It does not matter that they keep apologizing and removing, the damage is done. I want to file against this horrendous unprofessional company for damages. I have proof that I was placed in the LTAP program in XXXX after my father passed and put on automatic draft payments. It had become debilitating to have to make complaint after complaint and I am stressed to XXXX XXXX of physical illness. I am in the process of trying to qualify for a home so that my Mom can come live with me. She has short term memory issues and it has become a better option that she live with me. I went to my XXXX XXXX to start the process of a home loan and had no idea that SST had again reported me to the credit bureau! You'd think as many times as they have made this mistake and with all of the notes attached to the account it would be flagged not to do it yet again. I have been on the phone all day trying to get to the supervisor who fixed the issue the fourth time it happened. I called for her a few weeks back and never got a call back. Today I was connected to the most unprofessional supervisor ever XXXX XXXX who overtalked me, was insulting and said it they are backlogged and running behind completing the LTAP program and even if my payments are set up for automatic draft they XXXX not have been deducted correctly because they are running behind and someone should have called me and they didn't???/ but I have proof that mine was set up in XXXX and that they actually did start deducting XXXX from my account in XXXX and sent the proof months ago when this nightmare started! I also have the conversation when the SST agent set me up for the program and started my auto draft and all of the subsequent conversations. Please Please help me get my account away from this company. I have to get my credit report corrected immediately. 
This company has to be shut down. Please google them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, XXXX someone stole my identity and opened a digital credit card with PayPal. Fraudulent charges totaling approx. {$40000.00} were applied to my XXXX credit card and were resolved about XXXX weeks ago. Also charges were attempted at XXXX Bank, but they were all denied. I have an email from XXXX dated XX/XX/XXXX which states that " {$6900.00} attempted transaction was more than the {$500.00} level set '' was denied ; and this charge was rightly denied. Both institutions issued new credit cards. 
However, on XX/XX/XXXX PayPal charged my new XXXX credit card the sum of {$6900.00} ( XXXX of the previous fraud charges ). This transaction was disputed and removed on XX/XX/XXXX, and I will be receiving another new credit card from XXXX. 
I filed an XXXX on XX/XX/XXXX, these charges were fraudulent and I am not responsible for these charges. 
PayPal initially when I disputed these fraud charges were very dismissive and I had to request that the digital credit card be closed. Apparently, the sum of {$6900.00} is still under review and PayPal is not allowing me to have this account terminated. They want me to upload my Passport and the last XXXX numbers of my social security are prominently visible after logging in. They also want me to upload the new bank/credit card numbers to XXXX me full access to this account that was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$10000.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : 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
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I filed CFPB Complaint ID XXXX regarding this same matter which resulted in the following libelous statements made by a representative with XXXX XXXX XXXX XXXX XXXX ), " Lastly, the account currently reflects a past due balance in the amount of {$320.00}. As reflected on the payment history, a payment in the amount of {$440.00} was returned on XX/XX/year>. As a result of the returned payment ( {$440.00} ) and a partial payment of {$120.00} made on XX/XX/year>, a past due balance of {$320.00} remains due. '' Please note, there was NO RETURNED PAYMENT. Someone with XXXX attempted to correct how my lease/personal property tax payments were credited and clearly did not know what they were doing. 

At no point have any of my lease payments been past due or even late. I have submitted evidence of ALL of my timely monthly lease payments submitted via my XXXX XXXX  account. I had the payments on autopay until XXXX began to regularly miscalculate my monthly account balances in XXXX. 

My monthly lease payments have not been properly credited this year, resulting in numerous harassing phone calls that have embarrassed me during work hours and in the evening. I have sent requests online and called several times to try to resolve these matters to no avail. This has caused me a great deal of time, stress, and anxiety. All I have asked is that XXXX properly credit my monthly lease payments and properly calculate any Personal Property Taxes due. 

My XXXX XXXX XXXX XXXX XXXX bill that I received from XXXX on XX/XX/year> ( email screenshot and bill attached ) says the amount due was {$1500.00}. XXXX billed me via my online statement {$1600.00}, which I paid. I also paid an additional {$120.00} after a verbal conversation with a XXXX representative. I have a credit of {$240.00} due to the overpayment of personal property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: TN

Complaint narrative:
I obtained a loan for XXXX dollars. I was desperate and I did not realize that once done I will have paid back the loan 4 times over. 754.75 % Interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX  Account Number : 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 2024-11-25 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:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX Account Number : 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 2024-11-25 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: AL

Complaint narrative:
I submitted a payment to XXXX XXXX through Paypal using my default payment method - a XXXX credit card. Paypal did not attempt to charge my default payment method, but charged my XXXX checking account without my authorization. When I called them, they agreed they should charge the default payment method but refused to update the payment method on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
There are accounts on my credit report that are presently connected to ongoing litigation. As these cases are still pending, their current inclusion on my report is unfairly affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following inquires from my credit report : XXXX XXXX XXXXXX/XX/year> 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The APR Promo period ended in XX/XX/year> and failed to provide a formal notification. Interest charges have been accruing since this period. 

Bank of America is communicating that the online statements are a formal notification. The promotional period is buried in the statement documents. 

I need Bank of America to waive the interest charges because they failed to provide a formal notification of the promotional period ending. 

The response I receive was that they are rejecting the request to remove the interest charges on the balance because the online statements constitute a formal notice. 

Requesting that CFPB step in to assist on this matter. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX. Has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things that 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or univerifiable information ( A ) in general if, 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 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 informationhas been modified or deleted from the file of the consumer.

And according to 15 USC 1681- 2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe that 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 explanation