vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
I have a XXXX XXXX with Banco Popular XXXX XXXX XXXX. My husband has an account with them, and I have an account with XXXX. We both registered with Banco Popular to make payments on our card. For years, we logged on and made payments. Last month our payment was due, and we had no way of making the payments. My husband XXXX XXXX XXXX, so paying over the phone is not available to him. I do not want to pay over the phone because there is an additional fee, and I am a XXXX XXXX XXXX veteran. Banco Popular has the worst bank setup in the entire United States. I tried and tried to reestablish my payment method to no avail. I called the bank and was told that it was set up. I logged on to pay, and it is still an issue with making a payment. Then they are going to send our name to the credit bureau for payment being late. Even to add payment for my husband who has an account with them is impossible. Sickening and unacceptable. I could never do any account business with this bank. How do you have an account to make payment setup, then all of a sudden you do not have payment set up? and there is no explanation. I would like to get my payment method set up, and they better not report me as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is not recognizing my employer payroll deposits through XXXX as electronic payments and subjected my account to a monthly fee because my daily balance fell below {$500.00}. I spoke to Customer Service and they stated they do not recognize XXXX as an electronic deposit- they will only accept Direct Deposit bank to bank. I'm forced to have an account with Wells Fargo due to my mortgage and my employer. I've received several lawsuit payout checks over the years from Wells Fargo illegal practices. They continue to screw the customer with their arbitrary rules.

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 2024-10-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This started in XXXX since the XXXX and Ive been disputing this false information on my credit report and this company refuse to remove information that does not belong to me I am a victim of identity theft and also they data breach settlement with XXXX my information was compromised and this is one of the accounts LVNV Funding LLC . Under the 15USC 1681 they are also violating my rights as a consumer and violating the LAW which does not permit a company to report after 4 years this violates the statute of limitations. I have sent letters after letters. Still no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
These debts were not discharged in XXXX, but were canceled via 1099c and written off as losses by the original creditors and by law per the IRS are now considered by personal Income. Both Pro-Collect and XXXX XXXX have created and furnished unauthorized and uninformed financial documents using my nonpublic personal information with out my knowledge or consent to extort a payment for debt that can not be collected because it is now legally my income. Both of these items are from apartment rental lease from my former employers. These companies know nothing about the details of these transactions and have never seen the lease agreements. If they had they wouldn't have been sharing my information because these are not even consumer credit transactions and they have no permissible purpose, no where in our agreements do I consent to a third party sharing my information with a fourth party, no where I was I presented with a privacy policy, and no where was the any option to opt out. Also, consent can not be purchased or transfered without all original parties signing off on a new agreement per UCC. Once again, there is no debt, this is Identity theft, and I revoke any implied consent any of these companies assume they have to share my information and demand that they stop furnishing it to other financial institutions immeddiatly.

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 2024-10-02 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: TX

Complaint narrative:
INQUIRIES THAT DOES NOT BELONG ON REPORT
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-02 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Credit Adjusters for reporting a collection account on my credit report with XXXX XXXX as the original creditor. I never had any obligation to pay XXXX XXXX, and I am confused as to why this alleged debt is being reported. 

In Texas, XXXX XXXX operates as a Registered Credit Access Business ( CAB ), but the actual lender is an unaffiliated third party. Additionally, XXXX XXXX is not registered in Texas, and their right to conduct business has been forfeited. 

I was never notified that this debt was sold to National Credit Adjusters and have received no correspondence from them, making their claim hearsay and unethical. This situation mirrors the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information. 

Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXXXXXX XXXX from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXXXXX XXXX XXXX, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
Account number XXXX XX/XX/year> the account was open. XXXX XXXX XXXX XXXX. Law offices XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX. Please get this removed for my credit report I have no knowledge of this I tried to dispute this so many times. Thanks in advance. I SENT THEM IDENTY THEFT PAPER AND ALL BUT IT'S STILL NO CHANGES ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: CO

Complaint narrative:
I asked XXXX for a declaration of Debit. Showed proof that I was not the person who owned the debit. They then decided to give me a derogatory remark followed by sending the debit I contested back to the XXXX XXXX after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
MOHELA placed an administrative forbearance on my account that I did not request from XX/XX/year> to XX/XX/year>. I originally had a payment scheduled at the end of XX/XX/year> but could not complete it because they were transitioning online website platforms and adjusted my new payment due to XX/XX/year>. MOHELA assured me that since this was an administrative forbearance that I did not personally request and because I could not physically make a payment that XXXX and XX/XX/year> payments would count towards XXXX. XXXX and XXXX were my last XXXX payments to get to XXXX for loan discharge. Student Aid incorrectly classified the time spent in this unrequested forbearance for the XXXX and XX/XX/year> payments as ineligible on XX/XX/year>. I have tried numerous times to contact MOHELA about this issue to no avail. I have even filed a complaint with Better Business Bureau. I need help me with this issue. It is unnecessarily delaying the initiation of my loan discharge. This issue is not just affecting me but many others who MOHELA placed in an administrative forbearance for XXXX and XX/XX/year>. This issue needs escalation on behalf of the many borrowers who are negatively impacted by this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on time, which falls within the creditors standard XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no XXXX late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
Hello, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: DISCOVER BANK
State: VA

Complaint narrative:
So about XXXX XXXX ago XX/XX/year>, I tried to apply for a XXXX credit card, but I got declined and after that, I got a letter from XXXX saying I got declined due to suspicion of identity theft. so I called XXXX to have an inquiry about what it means and they said it couldve been because I just moved into a new address so I should wait and try again fast forward fast forward today. I got a call from Discover customer service or fraud department saying my account is under investigation for suspicion of identity theft so this means this is the second time Im hearing this. Prior to that, about XXXX XXXX  ago my bag was stolen and I lost my wallet phone and XXXX. I was advised to place a credit freeze on my credit so I did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started a dispute through Transunion for XXXX XXXX due to XXXX XXXX. the letter was not notarized, because I'm Self Attesting. The instructions did not refer to a notary being needed. I was told by Transunion that a notary is required, but the file is frozen an I can't upload the notarized document, self service my credit file in any way.

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