vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company 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 2024-06-27 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: FL

Complaint narrative:
I am heavily frustrated and deeply disappointed. There are information that are false and not assured to be the maximum possible accuracy on my credit report and I'm being consistently ignored on my requests to correct these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: PA

Complaint narrative:
I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent XXXX XXXX XXXX credit card being opened in XXXX of XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from XXXX XXXX XXXX are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
In conjunction with 15 U.S.C. 1681 et seq., I am reporting the inaccurate information provided below as it directly violates my federally protected consumer rights by failing to promote accuracy and fairness. 

Former Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1

099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid.

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you. 

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete.

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX. XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX. XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Copy of identification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid. 

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you.

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete. 

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Copy of identification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX verified a bankruptcy on my credit report that I disputed several times and years. XXXX has XXXX XXXXXXXX XXXX XXXX, contacted them with the information XXXX provided on my credit report, they informed me they didnt report or have anything to do with consumer reports and they dont report to them, so then XXXX told XXXX LexisNexis is XXXXhe reporting agency well lexisNexus informed me they are not reporting any bankruptcy on my file to contact XXXX somehow XXXX keep verifying this. LexisNexis informed me the last time XXXX contacted them was XX/XX/year>, but XXXX have records of contacting them servaral times after

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC {$510.00} {$550.00} {$560.00} I sent letters requesting validation of debt. These are not my debs. i sent the letters to XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX XXXX XXXX ) I sent the letters XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am in receipt of an inadequate response from Citibank involving a previously file complaint ( number XXXX XXXX ). 
Citibank stated that they would reimburse me in rewards point for which I incurred a financial loss. This points reimbursements does not equate to my financial loss due to no fault of my own. I further requested an explanation on what steps I could have taken to avoid a financial loss by reimbursing Citibank Reward Points through their program? I further asked, why I was not contacted before I checked into the hotel that was reserved through their rewards program and by which, I received doubly confirmed confirmation numbers from Citibank travel and XXXX XXXX via Citibank Travel ( Citibank # XXXX and XXXX XXXX # XXXX )? 
In Citibank 's response, they failed to address my financial loss for which they have received a copy of the hotel bill that they requested when I reach out to them about this concern and requested an explanation of what had happened. Furthermore, Citibank did not provide any explanation on what occurred between their Citibank travel office, XXXX and XXXX XXXX for which I was not part of any of those internal communications or contact in real time for which I suffered a financial loss. I only received contact from Citibank notifying me of their cancelation ( after I incurred the hotel expenses ) via email that I received at XXXX while I slumbered at the hotel. I still have no explanation as to why my reservation was canceled and this was also an inquiry in my original complaint. 
My new inquiry is to request clarification/explanation of my prior concerns, reimbursal of my financial loss due to my participation in the Citibank rewards ' program, as well as an explanation on how I would ever feel comfortable engaging with Citibank travel through the rewards program in the future knowing that I could again experience a financial loss? Finally, explain why one of your initial contacts with me claimed that you could not find my account under my name or address and one that I have had for more than 20 years? How do your rewards points reimbursements equate too financial loss?

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 2024-06-27 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: FL

Complaint narrative:
As of today XX/XX/year> My Experian credit report is not reporting the following tradelines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my positive history and on time payments that are not reporting are making it difficult for me to apply and/or be approve for extension of credit from other lenders.

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 2024-06-27 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: NY

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
someone applied for a credit card in my name which I've never received never lived at the address it was sent to.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
someone applied for a credit card in my name which I've never received never lived at the address it was sent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-06-27 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:
I have a genuine concern regarding the inaccurate information on my credit report. My credit score is important to me as to anyone else 's. These inaccuracies are creating constant stress whenever I can not get approved for new credit due to the errors being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: AZ

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Acra Intermediate Holdings, LLC
State: LA

Complaint narrative:
I have been asking for assistance to stay in our home. I lost my job back in XXXX as an XXXX XXXX XXXXXXXX due to a lack of work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My wife and XXXX daughters are just trying to recover from this nightmare and now have the income to afford to stay in our home however Citadel is not or has not helped us to date. Citadel reevaluated our escrow mutiple times in the same year leaving us paying a substantially higher amount for the entire period I was out of work. This seems illegal as all of a sudden they said we were short like XXXX XXXX dollars in escrow. We have been trying to get a mortgage assistance package approved for a long time, they are always asking for something else saying this is missing or that when we already uploaded what they've asked for. When we bought the house I'm XXXX  we agreed to pay XXXX a month, they had us paying XXXX a month for 6 months while I was unemployed. I only owe XXXX. This is too much money. They seem to not want to help. I now work for USPS, this is a good job. What more do they want? Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
( 1 ) Approval of loan from Goodleap on XX/XX/XXXX in the amount of {$11000.00} with no payment and no interest, if paid in full during 18 month period -- Refer to attachment XXXX XXXX XXXX XXXX Loan was paid in full on XX/XX/XXXX -- Refer to attachment 2 with XXXX XXXX XXXX  check ( 3 ) I received Email from Goodleap indicating that payment will be taken from Bank account on the XXXX of XXXX. 
( 4 ) I contacted the Bank and notified it to stop any attempt by Goodleap to receive payment from my account ( 5 ) I received numerous telephone calls demanding payment between XXXX and XXXX ( 6 ) On XX/XX/XXXX I received a telephone call from Goodleap demanding payment.

( 7 ) All individuals on the call agreed that it was unfair treatment from their company and they wanted to help me by settling a last payment of the loan as it was shorted by XXXX cents. 
( 8 ) I gave authorization for issuance of payment by my bank in the amount of {$27.00} and was promised that I would receive a refund within 10 day -- Refer to attachment XXXX ( 9 ) No refund was received. See threatening letter from Goodleap. Refer to attachment XXXX

Company response to consumer: Closed with explanation