vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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

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 2024-07-10 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: NC

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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 XXXX ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had identity theft and have 2 fraud accounts one with XXXX and another is a business account with XXXX. I have filed police and FTC reports, the other credit agencies have removed the fraud account, but for Experian they refuse to remove the fraud or provide reason of why they refuse to remove fraud and attempt to hold me liable for fraud when evidence has been provided. They even refuse me online access Why they did not remove the fraud identity theft account, the same as XXXX and XXXX have XXXX XXXX {$1600.00} XXXX  XXXX  {$52000.00} Experian has not addressed the matter. They have fraudulent accounts on my credit report and refuse me access and refuse to remove them. While I have provided XXXX and XXXX letters showing they are to be removed XXXX XX/XX/year> a supervisor refused me access after I informed him there is fraud. He told me that he sees the fraud and will not grant access due to internal issues. Experian has hurt my credit for over a year now. 

UPDATE IT HAS BEEN OVER 30 DAYS AND EXPERIAN STILL REFUSES ME ACCESS TO MY CREDIT PROFILE AND STILL SHOWS FRAUDULENT ACCOUNT WHICH IS NOW HURTING ME FINANCIALLY

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 2024-07-10 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Southwest Credit Systems , LP 's unauthorized debt collection activities in the state of Ohio. Upon conducting a review via the XXXX XXXX XXXX XXXX ( XXXX  ) website, I discovered that Southwest Credit Systems , LP ( XXXX ID : XXXX, formed XX/XX/XXXX ) is not licensed to collect debt in Ohio as of my review date ( XX/XX/XXXX ). 

I attempted to verify Southwest Credit Systems , LP 's XXXX ID by contacting them directly on XX/XX/XXXX, but I was unable to obtain verify the ID with the representatives I spoke with. However, during my conversation, the representative, XXXX, confirmed other details such as their address. Regrettably, XXXX 's demeanor turned confrontational, refusing to allow me to express my concerns. Our call, which lasted approximately 17 minutes, did not result in any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: MI

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I am a victim of identity theft. Equifax has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Equifax has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I was in an accident that wasn't my fault and the judge ruled in my favor, stating that the other company had to cover all the expenses. However, despite it being 3 years and 11 months since the incident, my credit still shows as closed. Bridgecrest, XXXX XXXX  is reporting me as late, which is untrue. My insurance immediately covered the issue, and I paid the same month. I don't understand why the accident is affecting my credit, especially when I have full insurance coverage. It doesn't make sense and it's impacting me negatively. 

Bridgecrest Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: VA

Complaint narrative:
I previously had two accounts with XXXX XXXX XXXX. One was for a XXXX Credit Card, the other was XXXX XXXX XXXX Credit Card. Due to a financial hardship I was not able to pay this card and it was placed on charge off status. These charge off accounts have been reporting a monthly payment history ( CO ) and balance since 2020 and should not since this account has been closed and changed off.Everything reported here does not meet the FCRA and its a violation.

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 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am sending you my XXXX  review because there seems to be a very cold shoulder towards hard working American people. 
XXXX XXXX XXXX XXXX If I could give a XXXX I would. This company ( SPS ) has had bath faith practices with regards to the mortgage for over 10 years. 26 years my family has owned this house ( XXXX, XXXX ) XXXX, FL. They sold and bought my house at the foreclosure auction back on XX/XX/XXXX. They never allowed us the chance to refinance the mortgage ( since XXXX in XXXX ). They proceeded to not try to help, as much as they say " you have options '', they just want the full payment or they will foreclose, THAT'S IT! Their lawyers lied and got caught in court by XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX. Fast forward SPS now has the title as of XX/XX/XXXX. They are forcing me and my family into the street. I requested additional time to move and they ( SPS REO Dept. and their lawyers XXXX XXXX XXXX XXXX XXXX XXXX ) have resorted to aggressive bullying tactics. I have stated to them I have no problem leaving the property, just give me an additional 14 days to the date you selected. They are trying to play hard ball for no reason. I have children I need to find a new home for, children who were born and raised in this house. All of the information presented here is true and public therefore should not be redacted. Select Portfolio Servicing are thieves and bully 's that use bad faith practices to take homeowners property. I pray no one has to go through the devastation and pain that my family is going through with this company. God bless America, where the American dream is DEAD. 

I would greatly appreciate a response as I have done all I can do ( except XXXX, which I have all right to do ). 

Thank you for your time. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
i submitted a CFPB and a company complaint that my report has inaccurate info and asked for it to be removed for that reason i just got a notification from the CFPB that the company was finished with the investigation, but i got something from Experian that does not support the inaccurate info still being on my credit report this is harmful to my financial and wellness as it is stressful cause this info being reported is not complete nor accurate this would be the third time i requested verification with validation complete with tracking of who they spoke to, their position, and info provided to verify & validate what they are saying is own the report with these accounts

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 2024-07-10 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
Subject : Urgent Appeal for Reopening Dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Synchrony, I am writing to formally appeal the decision to dismiss my claim in favor of the merchant regarding my purchase of an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Six months post-purchase, I contacted the merchant to address severe sagging of the mattress and instability of the base. The merchant assured me that the base would be repaired and a new mattress provided. However, over a year has passed, and neither repair nor replacement has been made. 

Upon submitting a dispute with Synchrony, I was informed by the merchant that they would send someone to repair the base. Despite this, the representative sent to my home acted unprofessionally and left without performing any repairs. Following this incident, the warranty service promised to send another technician, but no one has come. Additionally, there has been no mention of replacing the defective mattress. Recently, I was notified that the warranty on these items has been canceled. 

Having invested nearly {$6000.00} in these products, I find it unacceptable that they have become unusable within a year. It is concerning that Synchrony has sided with a merchant who has clearly failed to honor their warranty and address these defects. 

I respectfully request that you reopen this dispute and reconsider the substantial evidence provided. Enclosed are correspondences and documentation detailing my persistent efforts to resolve these issues with the merchant, all to no avail. It is imperative that this matter be addressed to uphold the principles of fair consumer treatment. 

Thank you for your prompt attention to this critical 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I reached out to lexisnexis of multiple occasions requested that they investigate an inaccurate bankruptcy that they have on my report. On XX/XX/year> I received notification that Lexus Nexus verify bankruptcy by XXXX proof of address. How is this possible? I have a letter stating the court dont verify or report to 3rd party vendors. I request lexisnexis send me legal proof of Bankruptcy such as a legal document that state a bankruptcy was filed. I request that not be proof of address, but a legal document that a bankruptcy was filed. I request that lexisnexis also provide legal proof documentation in reference to bankruptcy proceedings. Lexis nexis is also reporting multiple inaccurate addresses on my credit file. 

If your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will also bring legal action with attorney General office in reference to this matter. I request your office provide me with the requested information so I can take this to the next step and proceed with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Spoke to someone beginning of XXXX. Was told I would be given a grace period until the end of XXXX. Made payment of XXXX end of XXXX. Account incorrectly showing past due. The represenative said on recorded call I had until end of XXXX. 

The card was for a dillards card issued by wells fargo. I was told the payment I had until the end of XXXX because they were contacting the wrong number. I made the payment the last day in XXXX and it still reported late. I have asked them to remove it to the recorded conversation with the employee and just common courtesy and they have not.

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 2024-07-10 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: IL

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. 

Account Name : XXXX, Account # XXXX, Account Name : XXXXXXXX XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX and Account Name : XXXX XXXX Account # XXXX Has violated my rights. 

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation