vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: Grow Credit Inc
State: MD

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 GROWCREDIT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 2024-06-13 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: AL

Complaint narrative:
Dear XXXX XXXX  Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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 non-monetary relief
Consumer complaint received 2024-06-13 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: AL

Complaint narrative:
Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: AL

Complaint narrative:
Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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 2024-06-13 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: TX

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) 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 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. 


( 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-13 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: CO

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 2024-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC
State: MD

Complaint narrative:
I was called by Diversified Recovery Bureau, LLC about a debt of {$1600.00}. Reference # : XXXX I told Diversified Recovery Bureau , LLC I didn't know what debt they were talking about and to send me a statement of the debt information so I can analyze it. 

Upon receipt of the debt information in the mail, I realized I did not receive any services from XXXX XXXX XXXX and this debt was not mine. 

I called the number provided by the Debt collection notice from Diversified Recovery Bureau , LLC : XXXX XXXX on Monday, XXXX at XXXX XXXX. Upon request of verification of debt of services from XXXX XXXX XXXX, XXXX XXXX, " I think this conversation is over ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Today XX/XX/year> received an email stating unfortunately we reduced the credit line on your XXXX account, apologize for the inconvenience. I have XXXX XXXX  with BOA and over the last 2 months BOA have continued to reduce my credit limit on all. I have never been late nor over the limit and when possible, when life issues have not risen paid more than the min payment due. 
It is beginning to appear to me BOA is on a witch hunt ; once my checking and saving accounts dropped below $ XXXX, I am no longer a customer BOA wants or need. 
I find no legitimate reason why BOA is reducing credit line when all my accounts are current.

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 2024-06-13 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: PR

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed from my report. 
XXXXDEPT OF ED Account Number : XXXX Account Type : Installment account XXXX Code : Individual account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$1700.00} Date Last Active : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) XXXX for Dispute : Accuracy of Reporting : The information provided by XXXX/DEPT OF ED appears to be inconsistent across the XXXX credit bureaus. Specifically, the last reported date and the date of last activity differ significantly between the reports from TransUnion, XXXX, and XXXX. Such discrepancies can affect the accuracy of my credit report. 
Status and Comments : The status of this account is listed as " Closed '' and " Paid or paying as agreed '' across the bureaus. However, XXXX reports it as " Paid, was past due 90 days. '' This inconsistency is concerning and may not accurately reflect my payment history.

Impact on Credit Score : The incorrect reporting of the status and discrepancies in the dates can adversely impact my credit score. Given that this account has been paid and closed, it should not negatively influence my credit profile. 
Enclosed are copies of the relevant credit report sections highlighting the disputed items. Please conduct a thorough investigation and remove or correct this inaccurate information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-06-13 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: PR

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed from my report. 
XXXXDEPT OF ED Account Number : XXXX Account Type : Installment account XXXX Code : Individual account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$1700.00} Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) XXXX for Dispute : Accuracy of Reporting : The information provided by XXXX/DEPT OF ED appears to be inconsistent across the XXXX credit bureaus. Specifically, the last reported date and the date of last activity differ significantly between the reports from XXXX, Experian, and XXXX. Such discrepancies can affect the accuracy of my credit report. 
Status and Comments : The status of this account is listed as " Closed '' and " Paid or paying as agreed '' across the bureaus. However, Experian reports it as " Paid, was past due 90 days. '' This inconsistency is concerning and may not accurately reflect my payment history.

Impact on Credit Score : The incorrect reporting of the status and discrepancies in the dates can adversely impact my credit score. Given that this account has been paid and closed, it should not negatively influence my credit profile.

Enclosed are copies of the relevant credit report sections highlighting the disputed items. Please conduct a thorough investigation and remove or correct this inaccurate information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 
Sincerely, 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 2024-06-13 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: MN

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 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
TO : XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX SUBJECT : PAYMENT ON ( XXXX XXXX XXXX XXXX XXXX sports ) ACCOUNT # : XXXX ACCOUNT PAID IN FULL XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX ACCOUNT PAID IN FULL Dear American Express As agreed in our phone conversation on ( XX/XX/year> ) please apply this check, Check # ( XXXX ), for $ ( XXXX ), to the account number listed XXXX please apply this check, # ( XXXX ), for $ ( XXXX ), to the account number listed # XXXX XXXX XXXX As agreed, this pays these accounts off in full and as of the above date. Also, with this letter, the new balances on these account are now {$0.00}, which is also proof this account is paid off in full. 
Also, please state on all credit reports that this account is paid in full as agreed. 
Thank you for all your help & excellent service on this issue. 
Take care & XXXX Bless ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: TX

Complaint narrative:
this is a dispute first credit services sent me a email about a debt with the original creditor i guess a anytime fitness in amount over a XXXX dollars but didn't send anything to verify the debt is mine as im pretty sure i dont have a gym membership as im a XXXX percent XXXX veteran and people aren't my thing and also i demand to see proof on why you people believe this debt is mine as in my signature and also video of me in gym and also times and dates on the key card i would have had to use to get in and use gym if you can't do that please stop all collections thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: PA

Complaint narrative:
My accounts 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 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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
According to a CFPB brochure, effective XX/XX/2022, XXXX, Equifax and XXXX will no longer include medical collection debt under at least {$500.00} on credit reports. 
I have made a payment, and it's still showing an incorrect balance ; it's still showing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: FL

Complaint narrative:
A couple of years ago our mortgage loan was sold to a new company. At that time we were struggling to make ends meet so we did a Covid relief program where you dont have to pay mortgage for 6 months. We were unaware that it had to be paid back in full, how would that help our situation in the first place? We were under the impression that it would just turn into a forbearance. So of course we didnt have the money to pay back, so they scared us saying they would foreclose our house if we didnt do a loan adjustment. This loan adjustment put our interest from 4 % to now 8.25 %!! Now that is a huge jump and puts us in an even bigger financial struggle. We were paying XXXX a month and now were paying XXXX a month. They do not want to help us, rather XXXX XXXX  and take whatever they can from us. They absolutely scammed us and there has to be way to fix this somehow.

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