vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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 account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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.

EXPERIAN 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 2024-07-26 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report, and noticed that there are several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the item I am asking you to verify as accurate : - account name : XXXX XXXX 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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
About XXXX weeks back, I contacted XXXX and Equifax for forms and information regarding my name change. I even sent all the necessary documents, clarifying that my XXXX # remains the same. Unfortunately, there's been no progress in merging my credit scores or updating my information. I need action to obtain a house loan. I need your help to resolve this issue. My credit details are still under " XXXX XXXX '' and haven't been updated to " XXXX XXXX. '' Your assistance in this matter would be greatly appreciated! 

XXXX XXXX XXXX ( merge to ) XXXX XXXX XXXX Phone # : XXXX SSN # : XXXX Address ( Current ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card re : online retailer XXXX, a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX XXXX error and Apple Card supporting the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Goldman Sachs Bank USA has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/2024, and will contact you if additional information is needed. The Apple Card allowed a second dispute, ultimately supporting the merchant XXXX. 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur.

" Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction you reported and agree it was incorrect.

The credit ( s ) we provided for the transaction ( s ) listed below is now finalized.

Here 's what you should know.

The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX position, and disallow input from XXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX XXXX  dispute team and the XXXX XXXX dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/2024. Both XXXX and XXXX XXXX refuse to allow me a return, stating the transaction is " too old. '' The XXXX major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: AL

Complaint narrative:
I am a victim of identity theft, fraudulent XXXX, XXXX XXXX, and inquires are now on my credit reports, please remove.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: NC

Complaint narrative:
Factor trust consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Yes, Thank you I offer to settle with Midland for {$250.00} for removal. I told them this not my account, once I look back at credit report, they increase the amount. 1 amount {$3000.00} and MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$3000.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEMEN MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$1600.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEM I did not make this account, and I still offer {$250.00} for removal of both from my credit report please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: NY

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
In my previous complaint I explained that my XXXX XXXX XXXX consolidation loan was not forgiven. During discussion with the " servicer '', MOHELA, I asked about and was assured that my loans would not be transferred to their " new platform ''. In XXXX, my account was " frozen '' as they transferred it to their new platform. It has been given a new account number. 
MOHELA has also addressed correspondence to my wife. I am the sole signatory on the promissory note that consolidated our loans in XXXX. It has been illegal for loan collection agents to contact family friends or employers since the XXXX XXXX. 
I have asked MOHELA to conduct any further business with me through US Mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
At the end of 2022, XXXX credit card transferred to Comenity Bank. My account with XXXX was on auto-pay. When they transferred the account, they did not continue to honor this arrangement. I was not notified that my card with XXXX was closing and Comenity Bank would be taking on the account. I received a statement in XXXX that shows my account was late. The ONLY notification that I received showing that there was an issue with my account. Once notified, I contacted the company and paid the card. It is paid in full and closed. I was notified the correction to my credit report would be adjusted due to their error. I have contacted the company many times, along with filing a dispute with the credit reporting agencies. I have requested verification of the debt, along with requested copies of account history information. No response from the company. I have made multiple calls. The only response that I get is that it is being investigated. It has been 7 months since incident and no resolution. My most recent credit report now shows that, not only have they not corrected the information, they are now reporting two accounts with the same negative information. This immensely affects my credit. I have never had two accounts with them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : A person shall 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : A person shall 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
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 explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My conventional mortgage loan was sold to NewRez and went into effect around XX/XX/XXXX. 

I did receive communication from NewRez regarding how to access my new account but those methods have failed numerous times and I still have no ability to access my account. This includes no ability to pay mortgage online, assess escrow balance, submit home insurance information, and all other aspects of the loan management process. 

For the months of XXXX and XXXX, I was forced to call in my payment over the phone. However, I have no ability to ensure correct application to my account because I am unable to access my account information. 

I have called and spoken to no less than 4 NewRez agents on multiple occasions with no resolution. The dates of the communication were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the last communication on XX/XX/XXXX, the agent stated an IT request would be placed and a temporary password would be granted but neither of these things have occurred and no additional communication has resulted from this call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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:
Hi I opened a chase account to deposit my XXXX XXXX XXXX XXXX  after I deposited my 2 settlement checks into my checking account the total amount cleared was XXXXXXXX XXXX  into my checking account. Ive also opened a savings account and deposited my second check in the amount of XXXXXXXX XXXX and was told that the money should clear within 3 days. I opened my checking account on Monday XX/XX/year>. After spending nearly the XXXX XXXX  in my account I was contacted by Chase via email that the funds in my account has been returned by sender. My checking account was then negative XXXXXXXX XXXX that they cleared for me to have. And they took thee XXXX that I had in my savings account as well. Upon speaking to my lawyer she had contacted the attorney of the dentist that provided me a settlement check to see if they can make another deposit of a cashiers check to put my funds back into my account. By wendsay XX/XX/year> the dentist made a cashiers check out to me that cleared one again and all of my funds where back into my account. By XX/XX/XXXX I was making XXXX payment to my grandmother that was flagged for fraud and they closed my account for fraudulent reasons when a cashier check had just been deposited into my account prior before. I have called chase multiple times and yet no response as to if Im getting the remaining balance in my account. I have been told multiple times that they have closed my account and I will not receive the funds that are rightfully mine. Chase has made a mistake and closed my account for no reason at all.

Company response to consumer: Closed with non-monetary relief