vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 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 myaccount 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 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 2024-06-11 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: NJ

Complaint narrative:
My accounts 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!

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.

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!

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 2024-06-11 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: NJ

Complaint narrative:
My accounts 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!

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.

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!

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 2024-06-11 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: CA

Complaint narrative:
I was a customer of XXXX for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( Equifax XXXX XXXX ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with XXXX. I am being sent in circles about this & have sent letters to each of them on XX/XX/year> to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
I was a customer of XXXX for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( XXXX XXXX Experian ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with XXXX. I am being sent in circles about this & have sent letters to each of them on XX/XX/year> to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.

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 2024-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Premier Auto Credit
State: CA

Complaint narrative:
Used XXXX XXXX XXXX was purchased in XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and financed with Premier Auto Credit. The vehicle stopped working XXXX XXXX shortly after the 30-day warranty expired. The engine stopped working. I contacted XXXX XXXX XXXX about returning the broken vehicle. They said I would be breaking my contract if returned. I asked to have the engine repaired by them, but they refused. I requested XXXX XXXX XXXX to pick-up the vehicle and it took approximately six months for them to do so. I continued to make payments on the broken vehicle for one year until I could no longer afford the payment in addition to another payment for a working car. Premier Auto Credit transferred my loan to XXXX XXXX XXXX. Premier Auto Credit is charging {$5.00} per day in interest plus fees. As of XX/XX/XXXX, they are asking for {$19000.00}. My balance before charge-off was {$9300.00}. They have added {$9000.00} in interest and {$590.00} in fees to my balance as of XX/XX/XXXX. I believe XXXX XXXX XXXX knowingly sold me a vehicle with a bad engine. Other customers have shared similar experiences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Debt Information and Request for Validation by Midland Credit Management I am writing to formally dispute the accuracy and validity of the debt information listed on my credit report and to request validation of the debt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F. 

According to my recent credit report, there is a debt listed under my name with the following details : - Account Number : XXXX - Amount : {$4500.00} I believe this information is inaccurate and incomplete. Under 15 USC 1681 and specifically 15 USC 1681i, I am entitled to dispute inaccurate information and request an investigation. I request that you reinvestigate this account and provide me with the details of the original creditor, the method used to verify the debt, and any documentation that substantiates this claim. 

Additionally, I request validation of this debt as required by 12 CFR 1006.34 ( d ) under Regulation F. Please provide the following information : - The amount of the debt at the time of the validation notice : {$4500.00} - A breakdown of the debt ( e.g., principal, interest, fees ). 
- A statement that I have the right to dispute the debt within 30 days of receiving the notice and information on how to dispute the debt. 

- The name and address of the current creditor : Midland Credit Management - The name of the original creditor if different from the current one.

In compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), please include consumer response information in your validation notice, specifically : - Disputing the debt or any portion of it.

-Name and address of the original creditor.

Furthermore, I have experienced abusive collection practices by Midland Credit Management, which include multiple calls at inappropriate times and threats, in violation of my rights under 15 USC 1692 of the Fair Debt Collection Practices Act ( FDCPA ). Midland Credit Management has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my report. Midland Credit Management has no authority to furnish my account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5, 2 ( 7 ) ( a ). For these violations, I request that all collection activities cease until this matter is resolved.

I expect your prompt response to this matter. Please acknowledge receipt of this letter within 30 days and provide the results of your investigation within the time frame established by the FCRA and FDCPA. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-06-11 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: NY

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT 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. 1. XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX / XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX. XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # : XXXX XXXX : XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX XXXX XXXX XXXX XXXX  ACCT. # : XXXX XXXX These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly 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 ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I set up a savings account in late XXXX with Flagstar bank/XXXX. I deposited {$45000.00} during that period of time. A week later on XXXX, I transferred {$50000.00} from my XXXX XXXX account to Flagstar Bank. The funds were withdrawn from my XXXX account ( by Flagstar Bank ) early in the day on XXXX - XXXX  XXXX confirmed and I could no longer see that {$50000.00} in my XXXX account. I called Flagstar on XXXX to see if I'd get the interest for the days I had to wait for my funds to reflect in my account and they told me that would happen. I then called back to confirm on XXXX - the money was still not in my Flagstar account but the customer service rep told me that I'd receive interest payment starting on XXXX. I did call back again to confirm with a supervisor and they told me I would not start generating interest on my {$50000.00} until Monday, XXXX. Why did it take Flagstar Bank so long to reflect my {$50000.00}? Why were they confused about their policy re interest payments after a transfer? They told me they had the money on XXXX but could not explain why the money wasn't being reflected on my account.

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 2024-06-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-06-11 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: TX

Complaint narrative:
The credit bureaus are in direct violation of 15 U.S. Code 1681. All 3 bureaus ( Experian, XXXX and XXXX ) have different and inaccurate information about a particular account. I have communicated to the creditor to have the information updated and there has been no changes.

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 2024-06-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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