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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I had a unauthorized charge from XXXX XXXX XXXX. TD Bank gave me provisional credit on my debit for a service from XXXX XXXX XXXX i never activated and sent back the XXXX & XXXX equipment back and got receipts TD Bank decided to take away the credit they gave me on my debit card for no reason they reversed it on XX/XX/year> this is not right it was {$130.00} i want my money back i never paid for this XXXX XXXX XXXX service

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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX. My property is currently in foreclosure, and we are attempting to short sale this property before then. My attorneys, XXXX XXXX, have been contacting my lender, Citizen 's Bank, since XX/XX/XXXX, yet Citizen 's Bank has not be helpful at all. Despite my representation sending in 5 total authorizations, the same authorization I signed back in early XXXX keep in mind, the bank refuses to acknowlegde my representation and will not even speak to them about the short sale. We are unable to open this account up for short sale due to this negligence. Either Citizens Bank lost the authorizations we sent in, or they simply won't recognize them. Either way, my agents have not been able to contact the lender and the foreclosure date is XXXX XXXX of this month! The longer they delay this, the more jepardy they put my property in- Not to mention that there is a lockbox on the property, locked by Citizens , that we can not open to show the property until we are given authorization. It has almost been a month of us waiting in this limbo for someone to respond and we have nothing.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX, Credit Acceptance financed my vehicle at the time, and I was behind two payments, so they took the car and told me that I had to pay the two payments to get it back. I went to XXXX XXXX, where they took the car and made the payments, but because I didn't have plates on the car, XXXX couldn't tow the vehicle back to my house. I then left XXXX XXXX to go back home ( to the XXXX ) to obtain a tow truck. Once I did that, I returned to XXXX to get my car, which was gone. I contacted Credit Acceptance immediately to find out where my car was, but they had no answers. I kept calling them, and they just kept telling me that if I wanted my car back, I had to pay the balance of the vehicle in full, and they refused to acknowledge that I had just sent them two payments that they asked for. After this, I haven't heard from them for quite some time. Then, on XX/XX/year>, my former employer notified me that they got a letter for me from the XXXX XXXX in XXXXXXXX XXXX and another from the law firm of XXXX XXXX XXXX XXXX XXXX, XXXX, stating that they were going to garnish my wages for a debt owed to Credit Acceptance of {$4300.00}. They never sent me any correspondence to try to settle the debt for years, and now, they are here. I don't appreciate the tactics they're trying to use to pay this debt. Are you just going to take my paycheck without telling me? I need help with this situation. I see that there was a lawsuit against CA for how they operate. They need to be stopped because this is crazy.

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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Debt validation and verification letter confirming details of debt. Legal ownership of debt including original contract and all payments. 
If this can not be provided in 30 days, you are to cease and desist all communication ( written and verbal ), you are to remove unlawful reported collection from all 3 credit agencies or I will continue with litigation pursuant to US federal codes 15 USC 1692 ( c ). Furthermore, continuing to report this to the 3 credit agencies is a violation of my cease and desist. Failure to comply moth the cease and desist is also a violation of the FDCPA and will result in further legal action. You are to remove this unlawful reporting form all XXXX credit agencies or you force legal action for every phone call, every letter and every single month you have unlawfully reported and each count for each credit agency.

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 — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I did not authorize any of the inquiries below. 

XXXX XXXX file NOWCOM/XXXX XXXX XXXX- ( inquiry ) XX/XX/year> PLEASE REMOVE IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agencies, 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 a personal credit card account opened at XXXX Bank on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX Collect on XX/XX/XXXX with a balance of {$6400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 FTC Identity Theft Criminal Complaint 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> a fraud claim was made for a charge on my credit card of {$29.00}. Bank of America did not remove the disputed amount from my card. I paid my statement in full. The dispute remained unresolved in the Claim Inbox for over 120 days. Between XXXX and XXXX, I made phone calls to the Bank of America Fraud number at XXXX. They said it was still being investigated. 
On XX/XX/year> I drafted and mailed a letter to : Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX I addressed my frustration and disappointment with the unresolved fraud charge dispute on my account, which had now persisted for over 120 days. I asked for them to please provide me with a written confirmation of the actions taken to address this complaint within 15 days of receiving this letter. Despite my attempts to address and resolve this matter with Bank of America, I have not received any correspondence or a resolution to the charge that was made on my card on XX/XX/XXXX. The only XXXX Bank of America did was issue me a new credit card, AND they have removed the Fraud Claim from the Claim Inbox on my account with no resolution. They just deleted it, but I have a downloaded copy of the claim in pdf format.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX has on file that states that this information is indeed one hundred percent accurate and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
Acct # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
The situation involves a notification from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX account ending in XXXX. The letter states that after a recent review, American Express decided to assign a Preset Spending Limit of {$5000.00} to the account. The reason provided for this decision was that the average of recent payments, relative to the balance on one or more XXXX XXXX accounts, was too low. 

As a result of this change, if the total outstanding balance plus any charges not yet posted exceeds the {$5000.00} limit, additional charges may be declined. This applies to all cardholders associated with the account. The letter also indicates that American Express may choose to approve charges exceeding the limit but requires payment for those charges regardless.

The notice advises contacting American Express for further information or to request a review of the decision, which can be done until XX/XX/year>.

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: EGL US, LLC
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

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

Company 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: NJ

Complaint narrative:
I am disputing a late payment from XXXX XXXX XXXX Bank. This late payment is not accurate at all. I have maintained my payments up to date. XXXX payment included XXXX payment and XXXX payment isn't past due where it is XX/XX/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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 informationisinaccurate.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 informationisinaccurate.

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