vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
ATTN : UNDERWRITING DEPT, I Applied for a CAMPER ( Mobile home ) XX/XX/year> and I Got Denied, and You Used My Credit Card for this Consumer Transaction. I have a right to my UNLIMITED CREDIT. It's Not A CREDIT TRANSACTION, this is False and Misleading. According to 15 USC 1602 ( i ) In any Consumer Transaction the actual NATURAL PERSON is the one Extending the Credit. Businesses Are Not People. Send me A Listing of ALL the FACTORS INVOLVED in 15 USC 1611 of this Consumer Transaction. According to the EQUAL CREDIT OPPORTUNITY ACT, You violated my rights to my UNLIMITED CREDIT and Discriminated against the Consumer.You Never Responded To My Certified letter about My Denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: PA

Complaint narrative:
Tonight, I was stunned to see incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, and this time, I was surprised to find errors. I even refreshed the page, thinking it might be a browser issue, but the inaccuracies didn't go away. Im really counting on the documents I submitted to be fully reviewed so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Specifically, subsection ( a ) ( 3 ) states that a consumer may : " ... direct that a consumer reporting agency not furnish information regarding that consumer to any third party, except as authorized by the consumer. '' 15 U.S. Code 1681h - Disclosures to consumers Subsection ( a ) ( 2 ) requires credit reporting agencies to : " ... provide to a consumer, upon request, a description of the procedures used to determine the accuracy and completeness of the information in the consumer 's file. ''

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Since XXXX the following Data breeches that are listed below have taken place and my information has been leaked in each XXXX of them. At this point my data has been leaked so many times thatI can not understand why these companies are not begin held accountable. I am continue to get emails saying my info has been leaked on the dark and now i am getting calls that I have taken out loans in states that I haven't lived in for several years up unit this past year. The person says the loan was taken out in XXXX and I lived in a whole different state. I did ask to get the copy of the agreement with my signature and the ID that the took but have yet to get anything. I just can not be held accountable for someone else actions. As of recent I have locked my credit however up until a month or so ago my reports were not locked. I know there could be other things that are possible on my credit due to the continued leaks of my data. 
As of XX/XX/XXXX I have locked my credit reports My preferred method of contact is email to XXXX XXXX Data Breech HauteLook XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach XXXX  XXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX Data Breeches XXXX ( again ) XXXX XXXX Data Breeches XXXX student loan servicer Nelnet Servicing XXXX ( again ) XXXX XXXX XXXX ( again ) XXXX  XXXX ( again ) XXXX XXXX XXXX XXXX ( Again ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: PA

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

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

I demand the late payment reported in 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-07 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported.

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in XXXX AND XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I had applied for HELOC with Frost Bank on Thursday XXXX, 2024. I received a call from the bank on Friday XXXX, 2024 at XXXX XXXX to confirm the details on the loan application. Per the Frost Bank website, 80 % LTV is allowed - existing loan. The agent over the phone stated that due to my immigration status my LTV will be lowered to 65 % instead of 80 %, different from what they have advertised online. My wife is a US Citizen. Upon asking the question if I add my wife as a co-borrower who is a US Citizen will I be eligible for 80 % LTV Agent stated that they will based the LTV on my status only even if I am married to a US Citizen. I felt like this was discrimination due to XXXX  status. I have a work permit that is valid for next 5 years and can be extended until I get my XXXX XXXX There was no clause or additional information posted online regarding the different terms for non US citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported. 

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, XXXX, and TransUnion ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.

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 2024-09-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported.

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, Experian, and XXXX ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.

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 2024-09-07 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: PA

Complaint narrative:
Im extremely disheartened to find unauthorized inquiries on my credit report today, with no apparent reason for them being there. Refreshing the browser didnt help, and its clear this isnt a simple glitch. I sincerely ask that the documents Ive provided be reviewed carefully, so I can finally have peace of mind and put this behind 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2024, I attempted to obtain my credit report from Equifax through XXXX. However, I received no report. Instead, the screen displayed only a blank page under the Equifax logo where the credit report was supposed to appear. 

Despite multiple attempts to obtain the report, Equifax has informed me that the report has already been provided. As a result, I have not received the credit report to which I am legally entitled under the Fair Credit Reporting Act ( FCRA ). Additionally, this issue has resulted in one of my legally permissible requests being considered used, despite not having received the actual report. 

Furthermore, in correspondence with banks, I have been provided with specific credit score and credit report details, indicating that such information exists and is accessible to financial institutions. This discrepancy underscores that my credit report is available to banks, yet I am unable to access it. 

I am attaching screenshots of the blank screen and the agencys response asserting that the report was provided. I request that the CFPB investigate this matter to ensure compliance with the FCRA, facilitate the provision of my credit report, and address the issue of the unused request. 

Attachments : Screenshot of the blank screen received from Equifax. 
Correspondence from Equifax stating the report was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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