vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: OH

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 non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 2024-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX ACCOUNT # XXXX, BK OF AMER ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : XXXX5USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX  XXXX ACCOUNT # XXXX, BK OF AMER ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 explanation
Consumer complaint received 2024-09-25 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:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Truist Bank/Lightstream for denying my car loan application in violation of the Equal Credit Opportunity Act ( ECOA ). The denial of my loan constitutes a breach of federal consumer protection law, as I am entitled to credit based on my application. Truists decision to deny my loan lacks lawful justification, especially since my credit rights are protected regardless of the contents of my consumer report. 

My loan application provides security interest, and I claim all Titles, Rights, Interest, and guaranteed Equity associated with this application. I am the creditor, not the borrower, as stated under 12 U.S. Code 1431 - Powers and duties of banks. Truists refusal to process the application violates this law and ignores my rightful claim. 

Key Issues : Unlawful Denial of Credit : Truists denial of my car loan application is in violation of the Equal Credit Opportunity Act ( ECOA ). I have a legal right to credit, and denying me based on unjustifiable reasons is a violation of my rights under ECOA.

Security Interest Provided in Application : My application serves as security collateral, and Truists refusal to recognize this fact breaches 12 U.S. Code 1431, which makes it clear that banks are the borrowers. I, as the creditor, provided the collateral necessary for this transaction.

Failure to Recognize Titles, Rights, and Interest : By denying my application, Truist has failed to honor my Titles, Rights, and Interest that are tied to my credit and the security I provided. Without my participation, including my social security number, no transaction can occur. The refusal to process this loan is both unlawful and discriminatory.

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

Please DELETE the following accounts from my consumer report as they are not mine. 

Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
Activated my {$500.00} gift card today and set a pin # however the card will not work for online purchases. I tried to call the gift card company and verified the balance however no option to talk to them.

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 2024-09-25 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: IL

Complaint narrative:
I've reached the point of seeking a arbitration against Transunion for deliberately violating my rights and continuing to falsely report inaccurate information to my credit report as verified. As this is my XXXX time requesting the deletion of the accounts listed in the documents attached to this complaint. How is it possible that XXXX and XXXX deleted the same accounts while stating that they contacted the companies and was able to verify the accounts? This proves even more that Transunion failed to properly investigate my disputes multiple times, while intentionally continuing to report unverified inaccurate information on my consumer report. Transunion displayed many times willful violations of the FCRA and has caused me emotional distress from embarrassment after being denied credit. I've been disputed these accounts for XXXX months too long and it has weighed on my mental very heavy. I recently started back going to therapy because the emotional impact from these derogatory marks caused me to have a set back from routinely coping with severe XXXX and XXXX I am once again attaching proof from XXXX and XXXX showing that theses accounts were 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 2024-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> I contacted Ally Bank. I have approximately {$46000.00} between a savings account and a money market account. I needed to have a check from the money market for {$3200.00} paid to someone providing services for my home. Teh bank advised me that my account was frozen. They advised me that there was nothing that I could do to address the problem, as it is their process to contact me. In other words, " don't call us, we'll call you. '' This has wrongfully deprived me of funds that I need to live. I offered to fully authenticate or provide any information that they need. They declined and said " that is not their process '' I have been left in an impossible position and they have wrongfully taken my funds.

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 2024-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as XXXX XXXX. 

XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX XXXXXXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 6. The inaccurate reporting of both my account status and payment status by XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX are causing harm to my credit reputation and financial standing. 

7. All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as XXXX XXXX. 

XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 6. The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX  XXXX ACCOUNT # XXXX are causing harm to my credit reputation and financial standing. 

7. All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX Description of the Inaccuracy : I checked my credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 of information 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 information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

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 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Good morning, On Friday, XX/XX/XXXX, I received a call from XXXX XXXX from XXXX XXXX XXXX requesting a date and time where I can be served Court Papers. I thought it was a scam and asked who was suing me. She gave me a phone number I could call. XXXX is for XXXX and XXXX. I spoke with XXXX, who advised me I was being sued by CashCall for default on a loan. I honestly didn't remember a loan with Cash Call and XXXX wouldn't provide any information. I asked if I could get a copy of the loan documents, he said no. I asked how much I owed he said over {$6000.00}, due to late fees, interest and court costs. He also said I was going to court but wouldn't provide where, when and what time. I looked through my emails and didn't find any correspondence with Cash Call, I looked up an old email and found communication from back in XXXX. I apparently did get a loan, but the emails aren't clear if I paid the loan or not. I also couldn't find if I received a copy of the loan documents or not. I'm concerned because I am a widow, with a child and I can't afford any garnishments. I also haven't received any court papers from anyone. I'm reaching out to you because, obviously, CFPB had a case against CashCall, but I don't think it was in the state of California. Is there any information or help you can provide? Your prompt attention is greatly appreciated. 
Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and noticed a late payment on an account that I always paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX XXXX  [ XXXX ], XXXX XXXX XXXX : [ XXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Global Processing Services, LLC
State: PA

Complaint narrative:
I received a text message about settling a supposed payday loan I took out prior to XXXX  that I never repaid. The thing is I have no remembrance of taking such a loan out. My finance called the company to see what this was all about and they told her that they had all my information, drivers license, social security number address, phone number etc. and said that they have the loan agreement with my signature on it as well. She said that I would need to pay like XXXX for a settlement or I could make installments of like XXXX XXXX XXXX payments, if I didnt make these payments then it would go into the court system for collections. The name of this company is Global Processing Services out of XXXXXXXX XXXX XXXX. I looked up this company online and found out that back in XXXX they got caught scamming money from people by using the same tactics they are trying to use on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation