vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: TX

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing in regard to an alleged late payment you reported to XXXX, XXXX, and XXXX on my account. The reported payment is identified as late, and I would like to address this matter based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include any report that contains solely information regarding transactions or experiences between the consumer and the person making the report. As such, my transactions and experiences with your company are excluded from the definition of a " consumer report '' and, therefore, should not be reported to any credit reporting agency.

You do not have the legal right to furnish this information as part of my credit report, as the law explicitly excludes this type of information from being included in consumer reports.

Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has followed reasonable procedures to ensure that the periodic statement, which includes the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

To justify reporting a late payment, you must prove the following : XXXX. 
Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
XXXX. 
Detailed Documentation : 15 U.S. Code 1637 ( b ) outlines specific information that must be included in the periodic statement. I request that you send me all documentation showing that the statement met the requirements and was mailed or delivered within the specified time frame.

I am requesting this information in good faith under Rule 1002. You are required to provide me with the requested documentation within 10 days of receiving this notice. 
Please do not respond by claiming that you are reporting " accurate '' information, as I have not received the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). Without proof of compliance, you have no basis for reporting the payment as late.

If you are unable to provide the necessary proof of mailing or delivery of the required information under 15 U.S. Code 1666b, you are not authorized to report this payment as late, which constitutes a violation of 15 U.S. Code 1681s-2.

You are required to either provide the requested documentation or delete the inaccurate late payment entry from my credit report within 10 calendar days from the receipt of this notice.

Late Payment ( s ) in Question : [ XX/XX/XXXX, XX/XX/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 2025-02-25 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: NC

Complaint narrative:
I looked at a copy of my credit report and I noticed and inaccurate account XXXXXXXX XXXX XXXX XXXX XXXXXXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according to FCRA 15 U.S.C. 1681e ( b ).

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 2025-02-25 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXXXXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Due to this breach and the impact it has had on my personal data, I am requesting that this issue be removed from my report and that my privacy be fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-25 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year> I paid {$1500.00} to someone via XXXX to purchase a pocket book and card card. The person was acting on behalf of the retailer XXXX. Once I realized what happened I requested my money be returned to me from the person. I had opened an investigation immediately with BOA and XXXX. They advised me there was nothing they could have done because the recipient had already taken the money.

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 2025-02-25 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-25 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: PA

Complaint narrative:
My account with 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 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 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Vertical Screen
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX requested an background check on me, XXXX XXXX. This check was done by the Business Information Group. The check was done by making phone calls to the companies listed in my resume on XX/XX/XXXX and XX/XX/XXXX. 

The two dates mentioned are the Friday before XXXX and XXXX XXXX, respectively. They were unable to reach a single person at any of the companies I worked for, because all of them were closed for XXXX holidays. This includes XXXX XXXX XXXX XXXX, the company that I was presently working at, also the company that requested the report. 

In other words, the company I worked at was unable to verify with themselves that I worked there. The end result of this is that I was let go on XX/XX/XXXX. The email that mentioned I was let go confirmed the mentioned report as a direct influence on the decision. 

I attempted to resolve this issue both with XXXX XXXX XXXX XXXX XXXX XXXX department and through the dispute process with the Business Information Group. I received no additional information from XXXX XXXX XXXX XXXX, but a dispute was registered with the Business Information Group at XX/XX/XXXX. 

I was told the dispute would be resolved within XXXX days. On XX/XX/XXXX, I was told the dispute was resolved. No changes had been made to the report and no further investigation had been done, prompting me to send this report to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CT

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I feel I was negatively impacted by Transunion/Equafax, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. That the company XXXX XXXX does not own my debt, I do not owe them any money. Transunion/Equafax is still reporting it on my credit causing a negative action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted a dispute in XX/XX/year> for a collections account, they found it accurate which it should not be since I have not been properly notified of it, but it was removed. It just reappeared on my credit report and it is medical debt so should no longer be applicable. I tried to dispute it online but keep getting told to " try again later ''. I can not keep checking to see if their system is working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: PA

Complaint narrative:
Dear BMG Money, I am writing to address an ongoing issue with my account. For the past year, money has been deducted from my account each month, but my loan balance has not been adjusted accordingly. Additionally, my credit report has not shown any improvement, despite these regular deductions. 

These deductions are being made directly from my account before my paycheck is deposited through my employer 's direct deposit system. The bank account number you provided to me for these transactions is XXXX XXXX XXXX XXXX and my job paystubs I will provide when your company contact me back, i have contacted your company multiple times regarding this issue, but I have yet to receive a satisfactory response or resolution. 

Upon reviewing your company 's online reviews, I have found several concerning comments that suggest similar issues, leading me to believe there may be a pattern of mismanagement or mishandling of funds. This situation is unacceptable, and I respectfully request a thorough review of my account to explain why the deductions are not properly reflected in my loan balance and credit report. 

If no clear explanation or proof can be provided, I kindly ask that this loan account be removed from all credit bureaus, as it is not accurately representing my financial situation. 

Thank you for your immediate attention to this matter. I look forward to a prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Victim of identity theft and multiple accounts were opened in my name. Social security collected and others things. errors on late payments issues with experience and other credit reporting agencies

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 2025-02-25 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-25 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: PA

Complaint narrative:
Today, I noticed that my credit report contained incorrect accounts, and I have no explanation for how they appeared. I review my report regularly, but this time, there were unexplained discrepancies. I attempted to refresh my browser, assuming it could be a glitch, but nothing changed. Because of this, I am asking for a detailed review of the documents I have submitted so I can put this issue to rest.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with 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 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 never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief