vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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 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 2024-07-18 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: VA

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-07-18 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: VA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
Subject : Request for Assistance with XXXX  to XXXX  Migration Issue Dear Sir/Madam, I am writing to seek your assistance regarding an issue with the recent migration of XXXX  ( XXXX  ) to XXXX  ( XXXX  ). 
According to the instructions issued on XXXX 's website on XX/XX/year> ( source : XXXX XXXX XXXX ), all XXXX coin holders were to be airdropped with an equivalent amount of XXXX  tokens. However, only those holding XXXX on or before XX/XX/year>, are eligible for this airdrop. XXXX holders who purchased the coin after this migration snapshot date will not have their XXXX  converted to XXXX, and XXXX will eventually be deprecated. 
Unfortunately, I purchased XXXX after the migration date, unaware of these changes. Kraken did not notify its users about the migration and deprecation. Upon contacting Kraken, I was informed that they do not support this migration and will not provide XXXX  to current XXXX  holders. Furthermore, they indicated that XXXX would be delisted eventually. This oversight from both the exchange and XXXX, who failed to ensure that exchanges ceased trading post-snapshot date, has left me in a difficult position. 
I have invested over {$4000.00} in XXXX  and have filed a complaint with Kraken. However, there has been no resolution, and they maintain that only holders before XX/XX/XXXX are eligible for the exchange to XXXX. 
I kindly request your assistance in resolving this matter and recovering my funds. 
Thank you for your understanding and support. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/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 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-18 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give this company permission to pull my credit

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 2024-07-18 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: MI

Complaint narrative:
Information is incorrect identity theft my information was breach

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 2024-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
My identity was stolen in or before XX/XX/XXXX, at which point I placed a fraud alert and credit freeze on my XXXX, XXXX, and XXXX files. 

On XX/XX/XXXX, I was contacted by Debt Collector Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) regarding a debt with my stolen identity, referred by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX ) in the value of {$17000.00}, for a contract that began in XX/XX/XXXX. This rental was done with my stolen identity. 

When I informed the debt collector that my identity was stolen, they had indicated that I would need to take steps to file a new police report and have an investigation done on my own. When I indicated that I can provide sufficient evidence that this was through a stolen identity, they did not wish to cooperate with me, and instead, said that the burden is placed on me to resolve the issue. 

When I called XXXX XXXX XXXX XXXX to see if they can resolve this, they said that because they already referred it to a debt collector, they can not help me, despite the fact that I had indicated that they had initiated a rental on a frozen credit report with a fraud alert without taking further investigative action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: MA

Complaint narrative:
I did a loan from a company call koalafi I took out a loan alone had a term for six months which I had to pay or they would make me pay extra {$6000.00} on a loan that was for {$2000.00}. When I tried to pay I couldn't access my portal to make payments, they would do this attempt to stall me so I couldn't pay off And then they charge me extra. I reported them to the XXXX XXXX XXXX  They stop sending me notices and then they started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
Complaint Against Mortgage Lender for Multiple Failures and Unprofessional Conduct : To Whom It May Concern, I am writing to file a formal complaint against my mortgage lender for numerous and repeated failures to manage my mortgage account accurately and professionally. As a veteran, I am entitled to certain property tax exemptions, which my mortgage lender has consistently failed to acknowledge and apply correctly. The specific issues I have encountered include the following : Failure to Accurately Acknowledge Veteran 's Property Tax Exemption : Despite submitting the required documentation on multiple occasions, my lender has failed to recognize and apply my veteran 's property tax exemption. This has led to incorrect calculations and higher than necessary mortgage payments. 

Inaccurate Escrow Analysis : My lender has repeatedly failed to conduct accurate escrow analyses, both upon my request and on an annual basis. This has resulted in erroneous adjustments to my mortgage payments, causing significant financial strain and frustration.

Falsifying Insurance Premium Increases : On several occasions, my lender has falsely attributed increases in my mortgage payments to supposed rises in insurance premiums. These claims are unfounded and appear to be a tactic to unjustly inflate my payments. 

Denial of Receipt of Tax Exemption Documentation : My lender has repeatedly denied having received the documentation for my veteran 's tax exemption, despite my providing this information multiple times. This has caused undue stress and has hindered my ability to have my mortgage payments adjusted correctly. 

Unprofessional and Argumentative Conduct : During various telephonic interactions, representatives from my mortgage lender have conducted themselves in a highly unprofessional and argumentative manner. This behavior is unacceptable and has made resolving these issues even more challenging. 

Failure to Take My Requests Seriously : Overall, my mortgage lender has not taken my requests seriously and has failed to adjust my mortgage payments in accordance with their legal obligations. This negligence has caused significant financial and emotional distress.

I am seeking the CFPB 's assistance in resolving these issues promptly and ensuring that my mortgage lender adheres to their legal and professional responsibilities. Specifically, I request that my veteran 's property tax exemption be properly acknowledged and applied, accurate escrow analyses be conducted, and that my mortgage payments be adjusted accordingly. Additionally, I request that my lender 's representatives conduct themselves in a professional manner during all interactions moving forward. 

Thank you for your attention to this matter. I look forward to your prompt and effective resolution of these issues.

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 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Had a company report a debt on my credit prohibiting me from moving forward in the financial realm. Called to see what the debt was for and the company could not tell me. They collected some personal information like my social before I realized it was a scam. The company is called Elevate Recoveries LLC. Based out of Texas and I live in Florida had no idea what these charges could have been from yet they are negatively affected my credit score and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: SC

Complaint narrative:
I recently disputed these account on XXXX XX/XX/year> and received notice that my account have been updated. I would love to know how Experian completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. I am very interested to learn how your investigators arrived to this erroneous conclusion. 

XXXXXXXX XXXX XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late XXXX XXXX XXXX XXXX XXXX Never Late XXXX Never Late

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 2024-07-18 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: FL

Complaint narrative:
Subject : Urgent : Expedited Update of Phone Number for Extended Fraud Alert Dear TransUnion Team, I am writing to urgently request the expedited update of the phone number listed on my extended fraud alert. The current phone number on file is incorrect and has caused me significant inconvenience. 

I have attempted to update my phone number through your website, but the system has not allowed me to make the necessary changes. Additionally, despite speaking with several representatives, the issue remains unresolved. 

Please delete all phone numbers currently listed on my credit report. The only phone number that should be listed as my contact is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Specifically, under 15 U.S. Code 1681i, you are required to correct any inaccurate information promptly. Failure to comply may result in civil litigation, and I will seek damages of {$1000.00} or more due to the detrimental impact and inconvenience caused by this inaccuracy.

I trust that you will address this matter with the urgency it requires and update my contact information without further delay. This issue has been a total inconvenience for me, and I expect a prompt resolution. 

Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2024-07-18 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: VA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: VA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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, XXXX XXXX, XXXX XXXX, XXXX, XXXX 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