vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: VA

Complaint narrative:
A company called Frost-Arnett Co keeps calling me every day from a new number. They have called me from 15 different numbers and no messages. They even have called numbers that are on my phone plan. It's harassing at this point. They leave no voicemails either. Please tell them to stop calling me and any number that they have associated with me. I have no idea why they are calling and as I previously stated, they have left no reason for their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Three weeks ago, I wanted to transfer a Roth IRA CD from Truist Bank to another bank ( XXXX ). I was working with a rollover specialist in XXXX to get this accomplished. He informed me that I needed to have Truist write a check to XXXX for the amount in the XXXX to rollover the account. Both the specialist and I were given the runaround for over a week, and we almost missed the grace period. I visited my neighborhood XXXX XXXX branch of Truist three different times ( once with the specialist on the phone ), and each time I was told that they could not write the check. However, when the specialist and I called Truist Customer Service ( twice ), we were told that the rollover could only be done in the branch. The last time I was in the XXXX branch, the manager yelled at me and again insisted that the branch could not help. Desperate, because time was almost up, I tried another branch in XXXX XXXX, and thankfully the representative there arranged the rollover within XXXX minutes. I am making a formal complaint against the XXXX branch, and especially against the manager/head banker there : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> in XXXX, Florida.

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 2024-11-12 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: NY

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN 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!

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 2024-11-12 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: AZ

Complaint narrative:
I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX - XX/XX/year> - {$1500.00} + XXXX - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report affiliated w/ ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. 
In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter. Below, you will find a list of the inaccuracies that require your immediate attention and correction : XXXX. Name of Furnisher : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Name of Furnisher : XXXX XXXXXXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX XXXX XXXX. Name of Furnisher : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Name of Furnisher : XXXX XXXX Account Number : XXXX XXXX I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities. 
I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors. 
Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe. 

I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.

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 2024-11-12 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked back on my report on XX/XX/year>, and notice some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-11-12 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX XXXXXXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$720.00} XXXX XXXX XXXXXXXX with a balance of {$750.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$120.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$450.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$710.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$340.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX XXXX  XXXX with a balance of {$560.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$720.00} XXXX XXXX XXXXXXXX with a balance of {$750.00} XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXXXXXX XXXX XXXX XXXX with a balance of {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$120.00} XXXX V XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$710.00} XXXX XXXX XXXX  XXXX with a balance of {$340.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXXXXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear Citi Customer Service, I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the application of the Louisiana Service Members Civil Relief Act ( SCRA ) benefits to my Best Buy Credit Card account ending in XXXX. I have not yet received a response, and I would like to request confirmation that my account has been reviewed and the appropriate benefits applied.

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 monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Integrity Funding Ohio, LLC
State: OH

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX to resolve/settle a debt for over XXXX XXXXXXXX that was previously held by a company named Sentral Financial LLC that i have never done business with. When i searched Sentral Financial LLC i see that they are not closed/out of business and that they have several reviews about sending people demand letters for loans they did not take out with them. I contacted XXXX XXXX XXXX to tell them this information and to let them know this is not my debt and i have never done business with Sentral Financial LLC and have not gotten a response. Neither of these companies seem to be doing legal practices. Other people should be warned.

Company response to consumer: Closed with explanation