vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 2024-07-02 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:
In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX  # XXXX Amount XXXX. 

Account name : XXXX XXXX XXXXXXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an 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 items 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 ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2024-07-02 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:
In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXXXXXX XXXX # XXXX Amount XXXX. 

Account name : XXXX XXXX  XXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Amount XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an 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 items 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 ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2024-06-29 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: NJ

Complaint narrative:
On XX/XX/XXXX i reviewed my credit reports and discovered that 3 accounts that were idenity theft

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$290.00} XXXX XXXX FIN XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : SAFE XXXX ) XXXX Balance Owed : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tally Technologies
State: CA

Complaint narrative:
Applied for a personal line of credit with this company approximately two years ago. Was approved and used the service without issue until XXXX of XXXX when I received an email stating : " Dear XXXX, Were so sorry to let you know that due to circumstances beyond our control we will no longer be able to make new credit card payments from your XXXX line of credit, effective immediately. 

XXXX lines of credit are funded in many different ways. In order to help our members save money in interest charges, we borrow money in bulk so that we can pass these better rates directly to our members. Unfortunately, the investor that funded your account has informed XXXX they will no longer provide funding for any accounts, despite XXXX efforts to reach a different outcome. 

XXXX will continue to service and support your account, but there will be no future credit card payments made on your behalf. 

XXXX assured that this action is not a reflection of your standing or activity with us. We thank you for using our service and partnering with XXXX in your financial journey. '' Decided that since the company was no longer honoring its side of our deal, I would be better off paying off the loan in full and cutting ties. When the loan was taken out in XX/XX/XXXX, and again in XXXX, I was charged an exorbitant {$300.00} fee IN ADDITION to the interest charges. I do not recall this fee being disclosed prior to agreeing to the personal loan. Emailed the company for clarification regarding this fee and was informed it would again be charged in XX/XX/XXXX, even though the company is no longer offering the service it had agreed to provide. 

I offered to pay off the loan in full, multiple times, if this exorbitant fee is removed from my balance ( for XXXX and XXXX ). The company will not agree to this offer. According to my calculations, I have paid {$2700.00} in fees and interest, for a {$6000.00} personal line of credit ( that I can no longer draw from since XX/XX/XXXX ) in just XXXX short years. That's nearly 50 %. Even if the company removes the {$600.00} from my balance, and I pay off my account in full, that's still 30+ %. MORE than fair. 

To XXXX : I can assure you you will not get any more payments from me, willingly. You will have to ruin my credit and take me to court, which I will happily fight ( very publicly ), before I send another cent. Even if you somehow get a judgement against me, I will keep fighting it until it's vacated. Wouldn't it just be easier to take my payoff offer?!?

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 2024-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XXXX of this year, I made use of the XXXX XXXX XXXX offered by South State Bank to make use of the XXXX XXXX and XXXX XXXX deferment or forbearance while I was unable to work. After five years of never missing a mortgage payment I was told by the loan modification department that I did not qualify. From the start, I provided all tax, payroll and proof of hardship ( I had a XXXX XXXX at the end of XXXX, and XXXX weeks after I fell off a stool and XXXX XXXX XXXX around the XXXX XXXX XXXX XXXX XXXX XXXX ). I finally got a loan modification, but it took me until XXXX to finally attain it due to the loan modification department constantly providing me with false information, unnecessary and incorrect forms for me to return. From the very start it was like playing whack-a-mole with South State Banks mortgage department. I have made XXXX trial payments so far, and I returned to work during the first part of XXXX. While taking four months to resolve my medical hardship mortgage repayment, South State bank has been ruining my credit rating by posting late mortgage payment for four months. I requested that the incorrect information be taken out of my credit report, but to no avail. Why a mortgage company ruins their customers credit just to take advantage of South States Banks medical hardship program offered by them is beyond me. Not only did they jerk me around for four months applying for the hardship program, but they also decided to ruin my credit during the whole process. 
Just today, I received my South State Banks payment statement today with the wrong monthly payment amount of {$1000.00}. In addition to the wrong amount, the statement is asking me to pay a balance of {$5500.00}, which includes Fees Charge Since XXXX XXXX of {$94.00} ( whatever that is ). All this continues to happen while Im on the last Modification Trial Payment. This is the kind of inaccurate information Ive had to deal with since XXXX while this bank has been ruining my credit ratings. Im interested to see what kind of wrong information and paperwork Ill receive next. You would think that a mortgage department of a bank would be able to keep and provide accurate records for their customers and not give them the run around and wrong information for applying for a medical hardship program. 
How do I find out if State Bank has been ripping me off with all the misleading and fraudulent business practices during this whole process of applying for their medical hardship program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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 have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
In the month of XX/XX/year> someone had taken money out of my account so I called SoFi to get a new card. They sent me a temp. refund of XXXX and sent me a new card. They never said anything about my account getting froze if I were to file a complaint for fraud. I called 2-3 times a week trying to get this lifted. On XX/XX/XXXX I was able to get my funds released after doing a Id verification and other requirements. The next morning it was still active. I went to use it that afternoon and it was again frozen. I called for more info and no one will answer me or just hang up on me. Its my XXXX check and I cant purchase food meds or anything. I explained this to them and told them that its not in the agreement to repeatedly freeze and unfreeze for no reason. They refused to give me a reason for the refreeze. Ive still been calling 2-3 times a week and was eventually told to stop calling and hung up on. They now said they were investigating my dispute and half was done and they had no time line on when they would finish. A few minutes later I received this email that I will upload below. XXXX XXXX XXXX XXXX on a fixed income please help. What would be the reason to freeze and unfreeze. This isnt in or explained in the contract. Also per SoFi Deposit Account Agreement it states nowhere that once you do requirements to unfreeze account after reporting fraud and they are no longer restricted. No where does it say for absolutely no reason they will freeze them again without explanation or warning. My account was already restricted and unrestricted for the dispute investigation. Also why is my account being closed. I dont understand why SoFi would issue me a new card and then out of nowhere say they are closing account and that it could be another 30 after investigation is done to receive my money. Just let me use my card and get my money out of account to live. I feel this is absolutely inhumane to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The items listed below are reported again on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX CARD SERVICES XXXX Balance : {$2900.00} XXXX CARD SERVICES XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$27000.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX, 2023

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 2024-06-29 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:
The items listed below are reported again on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  CARD SERVICES XXXX Balance : {$2900.00} XXXX XXXX  SERVICES XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$27000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2024-06-29 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: MN

Complaint narrative:
TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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  THE FOLLOWING IDENTIFIER ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.

Company response to consumer: Closed with non-monetary relief