vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: OR

Complaint narrative:
A trade in was done, deal closed and signed and the trade off vehicle was reported as paid in full and a refund of overpayment was received from the lender. Weeks after the deal was made, XXXX XXXX identified a mistake on THEIR side of the deal. I was unwilling to personally co sign behind the car, which was what their resolution was. I also returned the car to them. They " reinstated '' the original loan of the vehicle I traded in, which is and is still in their possession, and then reported the loan delinquent. I never authorized the loan to be reinstated, they never returned the vehicle either. I have requested multiple times documentation showing they are legally allowed to do this which they never provided ( because they knew they were outside their time frame ). The mark on my credit report dropped my score nearly XXXX points. All contact made with XXXX and XXXX XXXX has been ignored.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
On XXXX XXXX I sent a debt validation letter 15 USC 1692g certified mail to Debt Recovery Solution, LLC at XXXX XXXX XXXX in XXXX, NY XXXX about an debt for XXXX that I'm unaware of asking them to send me a detailed list of payment history made by me, I asked to see signature that I put on contract saying I would pay, if there had been any insurance claim filed on the debt, and proof they have chain of title to collect on debt.i gave them 30 days to respond and instead they contacted the credit bureau and flagged it on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from Radius Global Solutions, LLC dated XX/XX/XXXX for a debt of XXXX from XX/XX/XXXX in regards to a XXXX XXXX XXXX. There is absolutely no debt owed to XXXX XXXX. 
At the end of last year I received another debt collection notice regarding this debt from a previous Scam collection agency trying to get my banking info, XXXX collections. I never received any notifications of ever having to owe any money to XXXX XXXX until this random collection letter. I have contacted XXXX XXXX directly and they CONFIRM there is absolutely no money owed. This was put on my credit report and was fraudulent, XXXX removed the debt and confirmed this was a fraudulent collection. The account number they have for my XXXX XXXX isn't even accurate. When I called to have this collection removed, the representative was extremely rude and kept trying to get more personal information from me. This company is a SCAM and now this fraudulent debt is going to go back on my credit report, a debt that I do not owe. This company has been reported numerous times.

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 2024-06-05 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: MN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me m to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX ; Account number : 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX XXXX I received XXXX letters from Continental Finance in regards to my XXXX XXXX XXXX XXXX XXXX  accounts, stating that Terms and Conditions will change and they will start having a XXXX $ annual Fee & maintenance fees will increase from {$10.00} a month to {$15.00} a month as well as interest rates will be raised to 35.9 %, which is predatory, it states if you do not agree to new Terms and conditions to call the number on the letter to opt out and account will be closed. I paid both balances in full and attempted to close both accounts, I believe their system is set up in a fraudulent way, as it will tell you " thank you, you opted out " have a great day, after a long pause it will state " sorry there was an error opting out, please try again later '' Many Customer would have probably hung up after the initial " thank you, you opted out " *** it took me several hours to close the accounts, I had to call in several times to confirm that both accounts were closed, now today I receive a letter in the mail stating " the charging privileges on you XXXX XXXXXXXX HAVE BEEN SUSPENDED DUE TO UNUSUAL ACTIVITIES. PLEASE KEEP IN MIND THAT THE TEMPORARY SUSPENSION OF YOUR ACCOUNT DOES NOT AFFECT YOUR OBLIGATION TO PAY THE BALANCE ON YOUR ACCOUNT, ADDITIONALLY YOUR ACCOUNT REMAINS SUBJECT TO FINANCE CHARGES AND FEES IN THE CARDHOLDER AGREEMENT. ************** this is absolutely not acceptable as I closed the account and the account is paid off, there should not be any notice letting me know I am subject to fees, when I closed the account. This is scam behavior and these companies need to be held accountable for their predatory practices. Their customer service is absolutely not helpful at all, receiving such letter is causing me a lot of stress, as this wrong information could result in getting the account closure reported wrong on my credit.

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 2024-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchony credit card is charging a fee of {$1.00} to send an invoice with the monthly charges. This is outrageous. First it was just the card I had for the XXXX XXXX XXXX XXXX XXXXnd now they are extending it to my TJ Max and XXXX XXXX credit card. They are charging me to send me a bill so that I can send them additional money!!

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX account # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
My account with XXXX  XXXX 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 in XX/XX/year> Days 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 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 informationisinaccurate.

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 2024-06-05 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: LA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: RI

Complaint narrative:
Company is reporting a collection that i had dealing with and transunion is reporting it despite my disputing this account. 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 ). A CRA is an entity that assembles and sells credit information and financial information about individuals. Please help remove immediately, i served in 2 wars for this country the least ya can do is make sure my accounts are being messed with adversely. Thank you

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 2024-06-05 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX there was an inquiry added to my consumer report from NAVY FEDERAL CREDIT UNION. I did not authorize this. I requested multiple times from XXXX and NAVY FEDERAL CREDIT UNION to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Hi, Between the months of XXXX of XXXX i fell into a hardship where i was having difficulty paying my mortgage for XXXX month, i called and spoke to a rep at XXXX housing and he placed me on a payment arrangement where my monthly payment would be broken into XXXX payments added onto my mortgage and that my payment would not be XXXX anymore, it would now be XXXX $ monthly for XXXX months and my new due date would be the XXXX of each month. 

I started the plan immediately after i was told this and so i started paying every month on the XXXX. In XXXX when i went to pay my bill i was told that i did not owe a mortgage because i paid twice in XX/XX/XXXX. I called back that same day to speak with someone else to make sure what i was hearing was correct and i was told this information again. ( XX/XX/XXXX ) .. that i didn't owe a payment until XX/XX/XXXX because i paid twice in XXXX. 

I proceeded to pay XXXX and XXXX on XXXX of those months and now XXXX XXXX is telling me that they made an error and i did not pay twice in XXXX so now I still have XXXX more payment of the XXXX to pay now and XXXX payment as well, bringing my total for XX/XX/XXXX XXXX In addition to this my credit score has been butchered because they are reporting me XXXX days late every month since the plan started and i would never agree to a plan that reports me XXXX days late on my credit report until the plan is completed.. Also I've stated i don't have this large payment I am being offered to be put on this payment arrangement again and I declined it. 

They gave me incorrect information and caused me to go delinquent again, although I've lost about XXXX of my credit score throughout the duration of this arrangement i am asking that XXXX XXXX removed the late payments off of my credit report.. they are refusing to do so. My payment plans due date has been the XXXX throughout this process, im not sure why im being reported XXXX days late XXXX times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I reviewed credit report and noticed several inquiries that i never applied for nor allowed to run my credit. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2024-06-05 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: PA

Complaint narrative:
My credit report shows accounts I am unable to recognize. I have had my identity stolen. Each unfamiliar account is listed in the letter. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. I am unaware of these accounts, and they should be removed. Here is my respectful request to have the following items removed. Please accept my sincere thanks in advance.

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 2024-06-05 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 account with XXXX  XXXX 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 in XX/XX/year> Days 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 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 explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
My account with XXXX  XXXX 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 in XX/XX/year> Days 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 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