vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

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!

Update 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

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!

Update 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 2024-12-09 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$0.00}

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
Consumer complaint received 2024-12-09 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX  Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccuracies in my credit report concerning the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are payment records for the disputed dates proving timely payments. 
A copy of my credit report is included, highlighting the discrepancies. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or unverifiable information. I request that you reinvestigate this account and provide : Detailed proof of the alleged late payments.

The methodology and procedures followed during your investigation.

Should you fail to verify the late payments, I demand that my account be updated to reflect its true status as " Paid As Agreed Never Late. '' Thank you for addressing this matter swiftly. I expect your response within the required 30-day timeframe. 
Sincerely, 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 2024-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
They drafted XXXX student loan payments that were supposed to be refunded. In total, this is roughly {$2000.00}. I requested a refund on XXXX XXXX XXXX with an expected turnaround time of XXXX business days. It has been 165 days. I called today, XXXX and was met with brash customer service void of responsibility or empathy. She simply stated that they were busy and that it could be another XXXX business days. At this point, I feel like this company is delaying refunds until they are shut down completely and I want my money back ASAP. It took me XXXX minutes to receive this response today. I have emailed but I don't expect a competent or satisfactory response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MO

Complaint narrative:
I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between XXXX, XXXX, and TransUnion. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to
reflect accurate and consistent data. 
2. XXXX XXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.

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 2024-12-09 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: MO

Complaint narrative:
I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between Experian, XXXX, and XXXX. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to reflect accurate and consistent data.

2. XXXX XXXXXXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.

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 2024-12-09 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I went onto their website because I had been sick for several months to see if they could help me. They have made absolutely no attempts to work with me or help me. I received a voicemail from XXXX at the end of last week. I called back but didnt get connected with anyone. I called back today and finally spoke to her and was pretty much ridiculed about my payment I told her that I could make a payment today and make two more before the end of the month but that wasnt good enough. I was supposed to be in loss mitigation but she demanded a date for two payments which I gave her this coming Friday XX/XX/year>. Instead of helping me during my time of illness, they have tacked on almost a XXXX XXXX  dollars for me to pay without even starting the mitigation process. There should be a law against all of these extra fees especially when consumers are in contact with them asking for help. This company is a complete scam. I had XXXX  which put me in a very bad place illness wise because I have XXXX  XXXX, I was taken out of work for XXXX XXXX months. I just went back to work and Im trying to get on my feet but all they are concerned about is taking my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
in XXXX, i sent a debt validation request to Credit Collection Serv regarding an account originally from XXXX XXXX with a balance of {$240.00}. I requested proof of their legal right to collect the debt, a detailed account history, and documentation verifying my obligation to repay. Despite sufficient time for a response, I have not received the requested information. The account remains on my credit report as " past due '' despite being paid off, which I believe is inaccurate and unfairly impacting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

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.

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 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 2024-12-09 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: MO

Complaint narrative:
I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between XXXX, Equifax, and XXXX. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to reflect accurate and consistent data.

2. XXXX  XXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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!

Update 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 2024-12-09 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: IL

Complaint narrative:
I have identified accounts and inquiries on my consumer report that result from identity theft. Attached you will find the FTC report, My consumer statements, and my identification; proving my identity. These items are not related to any transactions made by me. I have tied to contact the companies directly to no avail.

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 2024-12-09 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: IL

Complaint narrative:
I have identified accounts and inquiries on my consumer report that result from identity theft. Attached you will find the FTC report, My consumer statements, and my identification; proving my identity. These items are not related to any transactions made by me. I have tied to contact the companies directly to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
I got logged out of my robinhood APP and then locked out when i tried to use my known password. I tried to get it reset to no avial. I have been trying to email, chat, and call since XX/XX/year> when this occurred. 

Since i kept trying, instead of helping they just cancelled my account, kept my money, and locked me out, and has never contacted me.

I need my account reinstated and my monies available.

I can verify my identity in all ways they may need.

i did find my old email and have the backup codes, but they will not talk to me on any platform But they will NOT respond in any way and i just want to get into my account and get my money out of there asap.

Company response to consumer: Closed with explanation