vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Around XXXXXXXX XXXX XXXX XXXX XXXX reached out to me about an alleged debt that they were assigned from Current Owner : LVNV Funding LLC as of XXXX XXXX. Upon receiving the notice I contacted them to let them know the account isnt mine and Ive notice several inaccurate personal information such as my name, addresses, and other personal information. I informed them I am a victim of identity fraud and sent the documents they wanted to clear my name but to no avail I am still going through this ordeal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX - Account Number XXXX ( COLLECTION ) Balance {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I received an email from Nelnet on XXXX24 that my federal student loans were forgiven in full under the XXXX XXXX XXXX XXXX because my students loans have been in repayment of atleast XXXX - XXXX years. However, the full balance is still showing on my credit reports at XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 non-monetary relief
Consumer complaint received 2024-08-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX weeks ago i went to get a new bank account and they told me that i had a credit card with USAA that was under my name from back in XXXX which i never opened. After looking up my account they also i found that they said i never made a payment on account. After looking back at all my documents they still have my old name listed and after i did a legal name change. I have been a member with USAA since XXXX but know they are screwing up more. It showed that there was no payment XX/XX/XXXX and they are saying it goes off my credit in XXXX of XXXX. This credit account should is not mine but there is documents that is showing that they where in my old name. After i just setup a case with USAA for them to look into the issue my PIN somehow changed and they wont talk to me because now they cant verify me. Somehow after i called them to complain someone has mysterious changed my information. 
I am closing my Account tomorrow with this Bank for they are not protecting members of the armed forces like they used to. 

They can only report to credit on my old name this account was used in XXXX with fraud. 
i just got new legal name change in XXXX and my new name did not have this old debt that was fraud on my old name.

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 2024-08-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX. XXXX, Section XXXX, I have the right to privacy. Additionally, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to XXXX XXXX. XXXX ( b ), a creditor XXXX not treat a payment on a credit card account under an open and consumer credit account as late for any purpose. 

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX. XXXX, Section XXXX, I have the right to privacy. Additionally, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to XXXX XXXX. XXXX ( b ), a creditor XXXX not treat a payment on a credit card account under an open and consumer credit account as late for any purpose. 

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.

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 2024-08-07 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:
. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I called my mortgage company ( loan depot act # XXXX ) to ask them to remove XXXX the said they had to look into it. They asked about upgrades and such so I told them stuff we had recently done to our home. This was on XX/XX/scrub> 2024. Today XX/XX/XXXX, I recieved a letter from the loan company stating I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Care Credit changed my card to a XXXX XXXX  and ever since then I have had to call in with each transaction to get my promotion of so many months same as cash. Merchants can not seem to do this from their side any more. I called into care credit and their XXXX  have messed up my account, some things have been charged XXXX  and some payments have been retracted from merchants that were previously paid. My over all balance remains incorrect and there is XXXX charge that is on there XXXX and shouldnt be. I disputed charges electronically and they show resolved but are not resolved and no explanation has been sent. I also submitted disputes via fax and have received no response. Ive tried calling and that only makes things worse and I can not get transferred to anyone that can help me. Its seems to be an over seas call center that does not understand how the promotion process or card works. I have had this account XXXX years and NEVER had an issue until I got this XXXX  XXXX version with a chip from Care 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 2024-08-07 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
An inquiry was reported on my credit file without my consent. I did not authorize this inquiry and the company stated because I dont have an account with the company they cant find any information about the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their handling of fraudulent information on my credit report. Despite my repeated attempts to resolve the issue, Equifax has failed to take appropriate action. 

In XX/XX/XXXX, I first contacted Equifax to dispute a fraudulent account with XXXX XXXX XXXX, as well as a fraudulent address and employment listing under the name XX/XX/XXXX with the address XXXX XXXX XXXX, XXXX,XX/XX/XXXX 

In XX/XX/XXXX, I was informed by a representative of Equifax that the disputed information had been verified. Shortly thereafter, I noticed that the fraudulent account was closed. 

However, in XX/XX/XXXX, I discovered that the fraudulent account had been reopened on my credit report. I sent another letter to Equifax along with a new police report, requesting an investigation and removal of the fraudulent information. Once again, I was told that the information was verified and the fraudulent account remains on my report. 

I have serious doubts that Equifax conducted a thorough investigation into my dispute. Their failure to remove the fraudulent information after more than 30 days constitutes a violation of my consumer rights under the Fair Credit Reporting Act. 

I am requesting immediate action to remove the fraudulent account, address, and employment information from my credit report. This is a violation of 15 USC 168117. If this issue is not resolved promptly, I will be forced to consider legal action to protect my rights. 
Account Name XXXX XXXX XXXX Account XXXX Tracking No. for last mailed doc- XXXX Thank you for your assistance in this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I have been trying to contact all XXXX  credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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