vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: AZ

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-15 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:
My account with XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2024-07-15 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: MA

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MA

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX of XXXX we made our regular mortgage payment on time. 
The amount was short because of an escrow increase. 
The bank who manages our escrow account did not use all the contact info on file to notify us of the issue. 
They did not accept the payment but did not return it either. 
They placed it in the mortgage account unapplied knowing it was a mortgage payment. 
They in turn then reported a missed payment not a short payment. This has reduced my XXXX and my score XXXX. 
We have never had a late payment in 45 years of credit. 
I called the bank and made the payment difference over the phone. The bank agent mis entered my checking account number so 2 days later I followed up again and took care of the small difference that was short. 
I have asked for corrected reporting of a short not late payment and the bank refuses they also do not pay me interest on the money they impounded that was my on time payment nor did they return it to me as they claim it was not accepted. You can not have it both ways. 
The bank claims they can not remove the missed payment from my credit report however this is not true banks do good will adjustments all the time.

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 2024-07-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NV

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from 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 non-monetary relief
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Good morning I reached out to get my situation looked at. I have proof that this account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I have did research and see that I can contact an attorney in general or the XXXX  and the CFPB for this matter all I would like it my money that was use unfair please. If not I have no choice to reach out to get this matter resolved I have told them this multiple times and know I am exhausted behind their decision because they refuse to close my account and send me my funds thats from the dispute. Also a closure check and a disclosure from this account was told yesterday this account is still open and was lied after that is closed but its not I believe they are keeping my account open for fees. I know it was strange I was logged out my account after my claim was denied and told that they will not be letting me keep my account anymore but I never received any mail or email stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NV

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NV

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for a Bank of America Visa credit card and was approved for a limit of {$2500.00}. I used the card and paid off the full amount. However, in XXXX, the credit was closed and removed from my credit report without any notice or adverse action letter explaining why it was closed. On XX/XX/XXXX, I received an alert indicating that my XXXX score had dropped by XXXX points due to the Bank of America account # XXXX, which showed a late payment for XXXX and XXXX and a balance of {$2100.00}. This information is incorrect ; the balance should be {$400.00}. I spoke with XXXX representatives who acknowledged that the account was closed in error in XXXX and was reopened in XXXX without notifying me. As of XX/XX/XXXX, they were supposed to contact all bureaus to correct the errors.

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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit 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 TRANSUNION\

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 2024-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
In XXXX of 2024 we made our regular mortgage payment on time. 
The amount was short because of an escrow increase. 
The bank who manages our escrow account did not use all the contact info on file to notify us of the issue. 
They did not accept the payment but did not return it either. 
They placed it in the mortgage account unapplied knowing it was a mortgage payment. 
They in turn then reported a missed payment not a short payment. This has reduced my wife and my score XXXX. 
We have never had a late payment in 45 years of credit. 
I called the bank and made the payment difference over the phone. The bank agent mis entered my checking account number so 2 days later I followed up again and took care of the small difference that was short. 
I have asked for corrected reporting of a short not late payment and the bank refuses they also do not pay me interest on the money they impounded that was my on time payment nor did they return it to me as they claim it was not accepted. You can not have it both ways. 
The bank claims they can not remove the missed payment from my credit report however this is not true banks do good will adjustments all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Credit Union Mortgage Association, Inc.
State: AZ

Complaint narrative:
Credit Union Mortgage Association ( CUMA ) has been posting my monthly mortgage payments to my account. However, starting XX/XX/year>, bank started claiming that it never received payment. Bank also stated that it never received XX/XX/year> payment. Monthly payments were sent by either Priority Air with tracking, or via certified mail. Despite this, bank still claims it never received payment. Bank received payment on XX/XX/year> according to U.S. Postal Service certified mail. It's now XX/XX/year>, and CUMA still hasn't posted XXXX payment to my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries : XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> - INQUIRIES/ TRANSUNION

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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries :

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 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
Loan Date XXXX ... ... Delays in application trying to make seller withdraw from my offer. Change my Loan during the process. Second Loan Date ... XX/XX/year> Taking the XXXX XXXX XXXX XXXXXXXX away from in the amount of {$17000.00}. Making it an XXXX XXXXXXXX 3.5 % without the grant from the State of New Jersey. Discriminating against my XXXXXXXX XXXX and my income that I get paid to take care him. Change the loan amount and fees. Confusing me on purpose Yelling and being Rude at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I closed my XXXX XXXX XXXX XXXX over a year ago- I paid the last bill- that came almost 6 months later and was only " interest '' charges. I paid the balance, twice actually, for XXXX and now I have been charged XXXX in " interest '' charges again! The card has been closed for over a year ( probably more ) and I have paid the fee and XXXX XXXX XXXX  is still trying to charge me. Now it has been sent to collections even after I called and spoke to someone at XXXX XXXX XXXX and they said my card was closed and balance has been settled, but then received another bill.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX on XX/XX/year> I called Truist bank fraud dept and told that I had been scammed by someone posing as an employer. They sent me a mobile check for equipment I needed for the job .I had deposited the mobile check into my business account. They put a 10 day hold on the check. A week later on XX/XX/XXXX I was informed all my accounts had been frozen and no one could tell me what happened to the my social security check and unemployment checks which were supposed to be deposited on the XXXX by ach. I received a letter in mail stating that had the right to close my accounts without giving me notice. Fine but tell me what happen to my money. The social security administration stated the check had been processed.

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 2024-07-15 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

XXXX XXXX XX/XX/2017 {$1700.00}

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