vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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 account with 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!

I demand the late payment reported in 60 days 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.

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 2024-10-09 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: IL

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On or about XX/XX/XXXX, I sent this email to Spring Oaks Capital LLC : Dear Spring Oaks Capital LLC I hereby dispute the validity of the alleged debt listed below Entirely : Spring Oaks Capital LLC Account : XXXX Amount : {$1900.00} I also request verification of the alleged debt, specifically, a copy of the Original Purchase Agreement, must be with the original creditor and signed by ALL PARTIES involved. I'm requesting this because I have had different companies reach out to me about this same allege debt. I'm requesting immediate deletion of all prior reporting made to any consumer reporting agencies, including XXXX, XXXX, XXXX, and XXXX. You must CEASE COLLECTION efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Today, by email, I received a response from Spring Oaks Capital LLC. It was not the Original Purchase Agreement showing my signature, the original creditor, and their signature giving permission to collect this debt. Instead, they sent me the documents between the original creditor and myself stating that I'm the account holder. But, still not showing I also gave permission to this company to collect. Per USC 1681, since they did not provide me the Original Purchase Agreement as requested, I want this account removed from credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon closely examining my latest credit report, I noticed several accounts that appear to be incorrect and were included without my awareness.

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 2024-10-09 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: NC

Complaint narrative:
In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a.

The specific information needs to be provided : : 1. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature.

2. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied.

3. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt.

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a.

The specific information needs to be provided : : 1. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature.

2. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied.

3. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt.

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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 2024-10-09 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: AL

Complaint narrative:
I recently went over my credit report and found various billing errors. These late payments do not reflect my regular payment pattern.

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 2024-10-09 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: AL

Complaint narrative:
I recently went over my credit report and found various billing errors. These late payments do not reflect my regular payment pattern.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
comenity capital/big lots shows an account that is in charge off and shows charge off for 13 straight months. an account can not charge of but once its listed as charge off loss but no 1099c was provided or issued to the irs acount is not listed as closed and still shows a balance there can not be a balance and a charge off. Thsi si being reported in accurately and becuase it is being reported inaacuralety i am requesting it be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IN

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 2024-10-09 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX I opened and account with Bank of America, from the get go I encountered problems, I didnt receive the debit card they sent me I called they said they cancelled that card and will Send me another, when I got that card I went to buy something at store the card was declined, I went to a atm and it went through, I pulled half of my balance from the {$150.00} I had in there and that was the only time I used that card, i tried to log in online to my account the app kept refusing my password I tried resetting my password it didnt work I called and the said it was reset but when I tried logging in again it kept rejecting me so I jus gave up on the account because its not my main account I jus wanted so privately save in it, I rearranged my room and thought I misplaced the card thinking I would eventually find it, but I came to realize I actually lost the card because I got a letter from the bank saying a checks were put into my account and was withdrawn in net jerseys now I have never been to New Jersey and they now saying one of the checks I need to pay back because the person did not authorize that check I called several times and spent several hours on the phone with the bank trying to sort this out the said the did an investigation and they Sen me photos and times of the withdrawals which none of the people in those pictures are me nor do I know anyone in those pictures I called again and spoke to their fraud checks department and the agent I spoke to told me I have nth to worry about because they would pay back the XXXX person from a check that was on hold in my account that I again knew nth about, now I got a next letter stating my account have been charged off and I will be reported to the check system and XXXX cant open another bank account anyway and thats jus crazy and wrong because I dont know about any of those transactions and withdrawals, obviously someone used my account to do their shady transactions, now they want me to pay for it, and I dont know anything about these Transactions, I need my name to be cleared from this I would deeply appreciate it, thank u.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found fraudulent inquiries on my credit report XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help concerning this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help. Your improper handling of my credit report had me on my knees because of your inaccurate reporting my reputation was destroyed. You must remove these inaccurate information on my credit 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 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NM

Complaint narrative:
Cardinal financial started the process of a recast. We wired them XXXX for a recast on XX/XX/year>. We wired the requested additional {$300.00} for the recast fee. In the meantime, XXXX XXXX took over servicing our loan. The recast was never processed. The XXXX and XXXX was never refunded. The recast never went through. the loan amount due never changed. They kept the money that was supposed to go towards the recast.

Company response to consumer: Closed with explanation