vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days 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 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 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX was the first complaint and the response from company that items were fixed including only having one name, one address, one social and employer. Nothing was fixed. XX/XX/XXXX I contacted them once again and was told they received my ID but no other documents when all documents were sent together. I still don't have access to my credit report. I have an online account for with Experian and it refuses to allow me to change the phone number so I can update my password to login. I have contacted the company several times to fix this and all I get is automated services. I dialed this number XXXX, and I'm left on hold with no assistance. I have tried pulling my credit from other XXXX party sites that monitor your credit report, and it always comes back that Experian credit report can't be authorized. This is really frustrating and against the law for them to not fix the issues and reporting incorrect information on my credit report. I am ready to file a complaint with the court and sue Experian for this situation.

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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-08-06 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2024-08-05 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX, I purchased a VISA vanilla gift card from XXXX XXXX with the amount of {$100.00}. I attempted to purchase the pay-per-view fight from XXXX for {$78.00} XXXX the card was declined. On Monday XX/XX/XXXX, I attempted to purchase a transcript from escribers for {$14.00}, the purchase was declined. I immediately called the toll free number on the card and was met with a sales pitch, that I had just won a {$100.00} gift card from XXXX but to receive it I would have to provide them with a credit card or checking account number and be responsible for {$9.00} processing and delivery fee. I declined and told them that I just wanted to activate the gift card, they were so persistent until it became contentious and they would not activate my card unless I agreed to surrendering personal information. I did not. I went online to activate it instead, when I pulled my card up it showed that my attempted purchase to XXXX was pending and it showed two purchases of equal amounts {$38.00} to XXXX XXXX XXXX and XXXX XXXX made right before my eyes. I clicked the icon to report un familiar purchases and it read " there are no purchases to dispute ''. I immediately contacted the call center for the second time and was met with the same sales pitch. I declined and told the operator what had just happened and that I needed to be connected with loss prevention, I was denied unless I agreed to the terms of the promotion. I called back three additional times with the same result. Vanilla refused to activate my gift card because I did not want to surrender personal information. I even asked if the could take the {$9.00} fee from the vanilla card itself, I was told no because it was not activated. I have purchased these cards for years and I have never had to call in and activate it, and certainly not have to surrender information and pay an additional {$9.00}. I believe that it was intentional to block the card to have me call in to activate, they unlock the card the whole while telling me they can't all the while clearing purchases. By the time I get off of the phone the money is already gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: 2288984 Ontario Inc.
State: NJ

Complaint narrative:
This report is related to a recent complaint filed on XX/XX/year>. That complaint was case # XXXX against a company with many names, XXXX  with / added information as seen in report mentioned above. I tried calling this company today from XXXX of the 6 times they ran my soft inquiry of my credit report. That address was XXXX located XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX with zip code of XXXX. The phone number was XXXX. I called that number today XXXX XXXX XXXX  XXXX and spoke with a female representative named XXXX XXXX answered the phone as Hello, welcome to Money Tree. I ask the woman about my concerns of them coming up on my credit report, 6 times in XXXX day, on XX/XX/year> but at different locations ( see attached copy of my soft inquiry credit report ). She had not answers so an ask to speak with a supervisor or legal department. I was put on hold for about XXXX minutes then told by XXXX that a supervisor was not available but if I think my identity was stolen I could file a complaint with the FTC. I informed this person, I just wanted to know who they are and why was my credit information was ran by them and other affiliated companies with XXXX  on XX/XX/year> without my permission, without any reasonable explanation and Ive never applied for credit or loans from if they are a loan company. I was told again by XXXX that I could leave my phone number and a supervisor would respond later. I informed XXXX Ive already filed a complaint with the department of consumer affairs and the FTC which is case # XXXX. After hanging up, I called the department of consumer affairs and spoke with a representative about this recent complaint # XXXX. I informed the representative of the updated information as to the phone call I just had and he added this information to the original complaint just mentioned. 

I wanted to add another additional address for this company for your investigation of this company I believe is fraud. That address is XXXX XXXX XXXX, XXXX, Delaware XXXX. Phone # XXXX This information in a surch comes up as We Are Scammers An additional address I found to this entity is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX. Ive attached relevant information to this entity and additional information to this original complaint mentioned above and with this additional report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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 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 60 days 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 dateXXXX 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America is taking to long to take care of this problem. I want it taken care so I can close my account. the need to give the money back they took for XXXX XXXX and XXXX ride. I never request a {$43.00} ride from XXXX and proved I did not call for that ride.I have already did my work direct deposit to another bank. I want Bank of America to pay me back I will close my account. Also it is easy for hackers to from others countries to hack into Bank of American accounts, Thank you so kindlu

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please be advised that this is my Second WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report. As you are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these ITEM BELONG TO ME without any proof. Who in your company verified these accounts? How did they verify them? Again Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You also stated that Adverse Account meaning accounts that has not been paid, been transfer or sold or date from first DELINQUENCY will stay on the report for seven years. I'm requesting that you send me documents of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Credit Management LLP is not licensed in California, and I have already paid this account in full. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day, you receive this letter, I will be immediate file a complaint with the Federal Trade Commission and the Texas Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. Thank you for your cooperation in this matter. Sincerely, XXXX XXXX

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 2024-08-05 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: AL

Complaint narrative:
I reviewed my credit report and noticed fraudulent activity.

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 2024-08-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed the accuracy of an account been reported on my credit report. The account disputed was conserve. The credit bureaus came back and said that the account was reporting on my credit report accurately. On XX/XX/year> they received from me a request for there method of verification. The law clearly states that the credit bureau should provide me with this information within 15 days of me making such a request. More than 15 days have passed and they have not provided me with the information been requested which is a violation of my rights under the Fair Credit Reporting Act. It is my intention to sue for willful non-compliance under section FCRA 616 as there are violating my rights under the FCRA which clearly states and I quote, ''he right is found in the Fair Credit Reporting Act ( FCRA ) Section 611. It states A consumer reporting agency shall provide to a consumer a description referred to in paragraph 6Biii [ the section requiring reinvestigation ] by not later than 15 days after receiving a request from the consumer for that description. 
They have not provided me with the information requested and they have not deleted and so I have gotten a lawyer to prepare an intent to sue letter as the information been reported on my credit report is false.

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 2024-08-05 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: MO

Complaint narrative:
I disputed the accuracy of an account been reported on my credit report. The account disputed was conserve. The credit bureaus came back and said that the account was reporting on my credit report accurately. On XX/XX/year> they received from me a request for there method of verification. The law clearly states that the credit bureau should provide me with this information within 15 days of me making such a request. More than 15 days have passed and they have not provided me with the information been requested which is a violation of my rights under the Fair Credit Reporting Act. It is my intention to sue for willful non-compliance under section FCRA 616 as there are violating my rights under the FCRA which clearly states and I quote, ''he right is found in the Fair Credit Reporting Act ( FCRA ) Section 611. It states A consumer reporting agency shall provide to a consumer a description referred to in paragraph 6Biii [ the section requiring reinvestigation ] by not later than 15 days after receiving a request from the consumer for that description. 
They have not provided me with the information requested and they have not deleted and so I have gotten a lawyer to prepare an intent to sue letter as the information been reported on my credit report is false.

Company response to consumer: Closed with non-monetary relief