vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-20 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: NY

Complaint narrative:
My accounts 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 to be removed/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. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
at citi i can open an account but the next day they will vlose or i dont know at the other bank they cant day anythingXXXX XXXX XXXX  confuse because some ofher people they owe XXXX  and they dont pay. and still they still have a checking acvount and me i dont owe them i just want to have a normal life and yes i overdraft but i pay them and its not that big amount and i pay it

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 2024-07-20 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: PA

Complaint narrative:
CELTIC/COUT account # XXXX is reporting to transuion collection and last active date on XX/XX/XXXX and a last reported date on XX/XX/XXXX, XXXX is reporting a active date of XX/XX/XXXX and last reported date on XX/XX/XXXX, on Account # XXXX, and Equifax is XXXX a last reported date of XX/XX/XXXX and a last active date on XXXX 

all this incoorect information on my credit file is hurting me ... and not mine to began with please delete and remove from my crdit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
XXXX account # XXXX is reporting to transuion collection and last active date on XX/XX/XXXX and a last reported date on XX/XX/XXXX, Experian is reporting a active date of XX/XX/XXXX and last reported date on XX/XX/XXXX, on Account # XXXX, and XXXX is XXXX a last reported date of XX/XX/XXXX and a last active date on XXXX 

all this incoorect information on my credit file is hurting me ... and not mine to began with please delete and remove from my crdit profile

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 2024-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit score it is XXXX points less than the other XXXX reporting agencies, but the only one that has XXXX inquiries, for what I don't know, and why would they need to run my report XXXX times loving my credit score, my information should be in a file and ran once a year if I am looking for credit. This is unacceptable unfair and make my credit look bad

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 2024-07-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I checked my credit score it is XXXX points less than the other XXXX reporting agencies, but the only one that has XXXX inquiries, for what I don't know, and why would they need to run my report XXXX times loving my credit score, my information should be in a file and ran once a year if I am looking for credit. This is unacceptable unfair and make my credit look bad

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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT of 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
The company misleader information related to my Escrow account saying i am short when i have been diligently paying all my monthly installment as assigned in contract. They increased my monthly payment from the original {$2600.00} to {$3200.00}. An absurd increase of {$640.00} monthly. The amount of property tax they are allergy collecting is almost 3 times the average property tax on my area based on my own research. Since my mortgage got transferred to the actual lender, Freedom mortgage i have been having issues with that company. Every time i call them a different person provides a different explanation and reason for extra charges. I feel hopeless and anxious. I have a strong belief they have been charging excessive amounts to my escrow in order to turn it short and force a increase on my monthly payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently discovered three debt items on my credit report from JPMCB, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to JPMCB XXXX XXXX XXXX XXXX, DE XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from JPMCB regarding my dispute. This failure to respond violates my federal rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a US Bank Platinum Visa Card.

For the last XXXX months- if not more - I have been charged double interest in the amounts of {$37.00} & {$27.00} on XX/XX/year> and again on XX/XX/year> in the amounts of {$33.00} & {$30.00}. 

I have never in my life taken out a cash advance or done anything else that would require me to be charged twice for interest each month. The bank has been of no help solving this either. 

They also are not willing to extend the grace period to help me pay it off as that was another suggestion I had to resolve the issue. The response was a rude " No, if that was the offer - that's the offer. It doesn't change. '' I've has so many issues with US Bank that it's getting out of hand.

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 2024-07-20 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 8

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 2024-07-20 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with REGIONSBANK 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 those account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of American review my claim of almost XXXX for fraud and somehow they found some transaction was fraud and some wasnt what sense does that make! I want my money back asap! I dont understand how some was fraud and some wasnt when I didnt have my card!

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 2024-07-20 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: FL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with REGIONSBANK 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 those account 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has placed a judgment against my home that has prevented me from refinancing and have now frozen my bank account on a settled amount that was negotiated by a debit consolidator company that I discontinued service with that let to 1 of 15 payments being missed with out my knowledge since at the time I didnt not realize the debt consolidation had POA over the settled amount with the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
First I want to state that this hunter warfield did not give me an option to dispute or request confirmation concerning this debt owed to XXXX. Instead persisted for me to pay the debt within 90 days or theyll file collection against my credit. I politely told them to not contact me again which they did not. I also had XXXX XXXX XXXX XXXX of XXXX reach out to me concerning an open claim. So upon me explaining what happened and their fraudulent allegations claiming what I did to the house. And also uploading proof to prove my claim against theres. While they provided little to no evidence in the pictures beside receipts of upgrades they did to the house and want me to pay for it. Like paint job, housekeeping, new toilet seat and air/water filters. They originally wanted me to pay the full {$1300.00} for excessive wear & tear which I quickly denied with rhino. But XXXX XXXX said I owe {$1200.00}. Which is clearly XXXX different amounts coming from XXXX different companies concerning the same client. So upon a couple more back and forth email with XXXX XXXX I just end up settling the full claim for only {$280.00}. Due to them basically saying I have a due date to pay and something has to be paid to XXXX to settle. So upon payment I was told the claim was settled for full amount and I have nothing else to worry about. All of this happening from XXXX. So today XX/XX/year> I get home and received a notice my credit dropped due to a new collection account. Me forgetting and not knowing why I quickly disputed this as it drop my credit by almost XXXX points. I have applications in for federal/local government and them seeing this on my credit could impact my chances. So once I did some research I found out it was XXXX XXXXXXXX XXXX XXXXXXXX for XXXX  ( XXXX XXXX XXXX XXXX  saying that I still a unpaid balance of {$300.00}. And thats the reason for the collection which I was frustrated and mad because no one tried to follow up with me nor XXXX to see the pending balance before attempting to put a collection on my credit account. So as of XX/XX/year> they told me to send proof that Ive settled the claim and paid and that they were going to open a case and reach out to XXXX. Which they shouldve already done before touching my credit. And they did not have any knowledge of the previous amount they sent me of {$1200.00}. All of this from XXXX to XXXX XXXX is stressing me months after me paying and settling the claim. I want closure on this as I think this is XXXX  business practice. Also somethings not legal about my situation as the things Ive went through over a nice put together without any excessive wear and tear. Upon looking online and doing research on XXXX I also see Im not the only person who they did this too. I just wished I did more research before I moved here.

Company response to consumer: Closed with explanation