vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history 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 to be 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.

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! 


Update 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 2024-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized hard inquiries found on Eqifax the request is for these fraudulent entries be removed, as I have not applied for any lines of credit. 
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NM

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 information is 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
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We sold our house in XX/XX/XXXX while it was in forbearance. The day the sale was recorded, we received a XXXX late charge from the date the forbearance began. While disputing the first one, we got it off of the XXXX report but not the other two. 

While arguing that first issue, we got another XXXX late charge in XX/XX/XXXX despite not owning the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
I saw an alert on Wise.com that I had to update my XXXX  addresses in XX/XX/year>. I immediately updated my address, but the alert persisted. So, I contacted Support to resolve the situation. They told me as long as I had updated my address, and that it was all XXXX then it was fine. I told them I was disconcerted that the alert persisted, but they wrote no further action was required. 

Now it is XX/XX/XXXX, my XXXX XXXX account has been deactivated and I can not ACH money to myself. This is a failure of Wise Support communication, and they are also failing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received via a posting on my credit report dated XX/XX/year>. No notice was received via mail or telephone prior to this posting. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Best Regards, XXXX XXXX XXXX Law Reasons : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy Also law reason that can used about inaccuracies You have violated law 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether XXXX opened collections acct # XXXX XX/XX/year> for a past due balance of {$1100.00} as of XX/XX/year> is inaccurate Please remove this account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened visa credit card with banknof america. The interest rates were 21 to 28 % after a year. Now im trying to pay it. The amount keeps going up. Wasn't told this initially. Was told the payment XXXX now at XXXX I have a payment of XXXX plus. Plus a late fee of XXXX. I can not pay this. Was on the phone. The man said he had a program with a third party not affiliated with bank of america. Now more fees I have to pay. Plus a late fee. Plus payment. I'm literally on the phone. Stating my income had decreased due to a census being low where I work. This wasn't told to me this could happen. I'm called off work. Lower income. Bank of america wants me to invest in a third party to talk with them? Why? I'm on the phone. Help me. Stop the late payment. Lower my payment. I can pay it.

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 2024-11-18 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:
I have submitted several documentst XXXX in regards to this loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
I have submitted several documentst XXXX  in regards to this loan

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 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity banked has repeatedly violated the fair debt collection act 7 in 7 rule ; I receive calls from them daily about a past due bill that I have been struggling with for a few months. Today on XX/XX/2024 my father told me he received a voicemail from Comenity bank. They called his personal phone number during business hours on a weekday regarding my personal matter. I have NOT explicitly authorized them to speak with a specific family member regarding my account, leave voicemails with family members, or discuss my situation. I called comenity bank at the phone number provided, notified them of the 7-in-7 rule, and expressed that I have not given them permission to contact any family member, nor did I ever provide them with his personal phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
after reviewing my report an account has appeared on my credit report without my knowledge or consent. 

I have never conducted any business with the company associated with this account, nor have I given them permission to report any information to the credit bureaus. In an effort to resolve this matter, I requested a copy of the wet signature and contract from the company in question ; however, they have not provided any documentation to substantiate their claim. 

I am concerned about the impact this unauthorized account may have on my credit score and overall financial well-being. I would appreciate your guidance on how to proceed with blocking this account and ensuring that my rights as a consumer are protected.

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 2024-11-18 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: FL

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX C - XXXX - XX/XX/XXXX - {$380.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
I am writing to bring to your attention a serious violation of federal law under 15 U.S.C. 1666a regarding the reporting of disputed credit amounts to third parties. This statute explicitly prohibits reporting a disputed amount as delinquent until all the requirements outlined in 15 U.S.C. 1666 are met, including notifying me of your findings regarding the dispute and providing me sufficient time to pay any remaining undisputed amounts. 

Despite my written dispute submitted to GM Financial, I have observed that the disputed account has been reported as delinquent to XXXX a third party, adversely affecting my credit standing. Such actions contravene the provisions of 15 U.S.C. 1666a ( a ), which requires that no delinquency be reported until : The billing error is resolved as mandated by 15 U.S.C. 1666.

The obligor ( me ) is given a grace period to make payment on undisputed amounts.

Additionally, under 15 U.S.C. 1666a ( b ), if a creditor reports a disputed delinquency, it must simultaneously report the fact that the delinquency is in dispute and notify the obligor of each third party receiving this information. GM Financial has failed to meet these obligations, further violating my rights under this statute. 

This improper reporting has caused me to not be able to obtain credit as well as a decrease in my credit score and a denial of credit opportunities. These actions may constitute not only statutory violations but also potentially deceptive practices under consumer protection laws.

I'm requesting immediate action to : Remove any negative or delinquent reporting of the disputed amount from all third parties.

Provide written confirmation of the removal and compliance with the requirements of 15 U.S.C. 1666a. 

Also XXXX XXXX has deleted this account from my consumer report, but XXXX is still reporting it. 

The dates that they have are inaccurate as well which is a violation of 15 USC 1681 ( a ) 1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/year> XXXX  XXXX XX/XX/year>

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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 To Discover Bank Form 1099-C Cancellation of Debt I recently reviewed my credit report and seen that you say I have an account that is listed as a chargeoff, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit reportbecause it is considered income and only debt can be reporting on my credit report. Your company is trying to collector having a charged off status. 
I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681e ( b ) you are reporting information that's not 100 % accurate. The IRSdirected me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Account name and number Discover Bank - Account number XXXX Thank you for handling this matter XXXX XXXX

Company response to consumer: Closed with explanation