vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I applied to XXXX XXXX XXXX  for a student loan. I was denied due to unpaid bills. My bills are automatic withdraws. The only large amount I have taken out of my account is my car loan, where I have to manually pay the bill each month via a electronic payment over the telephone. I leased a car starting in XX/XX/year>. I was approved for a loan at that time. I believe that my XXXX XXXX is INACCURATE. It was much higher in XXXX compared to now, XX/XX/year>. I have searched several times to obtain my credit score used for the above mentioned car financing option. I do not understand why I was approved for that loan, but not the XXXX Bank loan. I have a student loan through XXXX XXXX. I used it for the Spring of 2024 and Summer 2024. It does not make sense that I was approved for these loans, and yet, was denied for this specific student loan request. I request that my CREDIT SCORE be checked and verified. I believe it to be wrong and need it fixed to be able to apply for student loans and for a future vehicle financing option. Again, the majority of my larger bills are paid via automatic withdraw. I also believe that several of my bills had not been paid because my credit card expired this past XX/XX/year>. Furthermore, these errors are costing me financially and academically. This needs to be resolved ASAP and fixed ASAP. Thank You, 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 2024-10-12 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: FL

Complaint narrative:
I'm contacting you because I have found some information that is inaccurate on my credit report.I don't believe this account were ever paid late as it is reported.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.The items in question are in the photos.After doing so please provide me with and updated credit report reflecting the changes thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nav Technologies, Inc.
State: FL

Complaint narrative:
I'm contacting you because I have found some information that is inaccurate on my credit report.I don't believe this account were ever paid late as it is reported.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.The items in question are in the photos.After doing so please provide me with and updated credit report reflecting the changes thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was completely blindsided this morning when I saw incorrect accounts listed on my credit report, with no explanation for how they appeared. I always keep an eye on my report, but today, things were wrong out of the blue. I thought maybe it was just a browser issue, but refreshing didnt fix anything. Im urging you to review the documents Ive sent, so this never happens again.

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 2024-10-12 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: NY

Complaint narrative:
I was applying to a job on the XXXX of XXXX and the job offered me a free copy of my credit report and background check. I was amazed to see so many inaccurate information about my home address showing addresses in texas ( XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) I have not resided at these said addresses and after looking them up they appear not to be homes but business addresses-Please REMOVE not my addresses nor have I lived there, and XXXX alleged debts in my credit reports. The debts are Account name : XXXX account # XXXX, listed as a chargeoff for {$800.00}, Account name : XXXX XXXX Bank XXXX XXXX Account : XXXX listed as Chargeoff for {$500.00} and Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX  as late past due {$370.00}. These accounts has violated my federally protected consumer rights to privacy and confidentiality. On XX/XX/year> after researching online the fair credit report acts I came to understand with a consumer attorney friend of mine that the credit boroughs must assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2024-10-12 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: WA

Complaint narrative:
Balance should be XXXX as it was charged off. 
Company continues to report charge off every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit XXXX as a new charge off every single month and lowers my score compounded every month.

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 2024-10-12 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: WA

Complaint narrative:
Balance should be XXXX as it was charged off. 
Company continues to report charge off every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit XXXX as a new charge off every single month and lowers my score compounded every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: GA

Complaint narrative:
My account with Equifax 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.

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.

Equifax 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 explanation
Consumer complaint received 2024-10-12 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: GA

Complaint narrative:
My account with EXPERIAN 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.

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. 


EXPERIAN 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 2024-10-12 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: MO

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX / XXXX inquiry- XXXX  / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation of 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. 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 2024-10-12 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: PA

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but today, there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors remained, and Im really concerned about this. I hope the documents Ive submitted will be reviewed carefully so I can stop worrying about this ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-12 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: SC

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery debt collection has been continuously harassing me! They call me multiple times a day, sometimes over 5. They call at all hours and every day of the week. Ive tried to get the original company info and they havent responded to me. Ive asked them to stop calling me and they respond with abusive language.

Every day they call i tell them to stop or Ill contact a lawyer. I have all the dates and times they call me on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
The debt has been sold to a debt collector, and the collector has submitted paperwork to the XXXX XXXX in XXXX XXXX in which I live, to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
At the beginning of XX/XX/year> I made an extra Credit Card payment to USAA Bank. The extra payment was returned due to insufficient funds on XX/XX/year>. I had a medical emergency and didn't make my weekly deposit at my Credit Union on time. On XX/XX/year> I made a double payment of {$650.00} to my USAA Bank credit card. On XX/XX/year> I was informed by a representative that my payment will be withheld from posting to my credit card until USAA verifies the funds have been received, and the release date is XX/XX/year>. I called USAA again on XX/XX/year> to speak to a Manager. the Manager told me that the funds would be posted to my Credit Card on XX/XX/year> and there's nothing that can be done about it ( rudely ). Today is XX/XX/year> and my {$650.00} payment has not been applied to my USAA Bank Credit Card because my card was declined today. USAA is trying to punish me by fraudently acquiring interest on a larger balance and withholding my credit card payment and usage for over XXXX because I had XXXX RETURNED EXTRA PAYMENT! I didn't even have to make a payment, my payments are ahead. I want a full refund of my {$650.00} EXTRA payment. I will pay USAA Bank the amount required on the required payment due date going forward for all future payments.

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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-12 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: MO

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX / XXXX inquiry- XXXX / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation o

f 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief