vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I can not get online or get anyone on the phone to make payments to Concord Credit/XXXX XXXX XXXX for over 2 weeks. 
The online website XXXX says it's down and to contact my account administrator, with no further details. ( This has been down for months ). I call the number XXXX found on the " late notice '' letter from them during daytime hours and a messages says they are closed and to leave a message then the call disconnects. Another phone number I have for them on a general statement from them XXXX transfers me to a representative only to get a busy signal. I do not even have this account open any longer I just want to pay it off. This has been going on for months now. There's no consistency to pay them and I believe they are dinging my credit. I've lucked out by getting someone on the line 2 times in the past 4 months. Prior to these instances, I've NEVER made a late payment with them.I do have an address but I'm leary about mailing a payment to them through the mail. Concord Credit XXXX XXXX XXXX XXXX XXXX IL XXXX. 
Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I ordered my report and once i received it 3 weeks later i went through all the information on the report and sent them a dispute of the inaccurate information on the report they then sent me the attached letters and told me it was my problem to fix it i contacted the companys they claim verification was done with and was told by there legal departments that they didnt provided them any information about said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: OH

Complaint narrative:
Reported this company in order to report that they are not legally reporting the account information correctly. National recovery agency claims that because the account was given to them XXXX  years after the original date of delinquency they can restart the debt clock. In essence, the original delinquency date is reported to be XX/XX/XXXX however on the report it reflects that the debt is XXXX XXXX XXXX when it is actually XXXX years and XXXX  months old. It would be illegal to still have this on my credit report following XX/XX/XXXX. However, the company is saying since they got the debt XXXX years ago in attempt to collect on the debt that it is legal to then have this stay on my credit XXXX years longer than the debt expires and hits that XXXX  year mark. This is illegal reporting. Once the debt hit XXXX years on XX/XX/XXXX it would now be illegal reporting and subject to lawsuit. I would like copies of the statute in which they are using to justify this as a legal reporting and the exact legal documents that make this legitimate. XXXX removed this off of my report due to the illegal reporting proving that there is at least XXXX agency who recognizes the illegal nature of this reporting. I know it is illegal to extend the debt clock and the collection company is only allowed to attempt collection within the time frame set by the original date of deliquency, again, that would mean the attempt on collections can't legally surpass XX/XX/XXXX. If this were legal XXXX would not have removed it pending investigation. If further attempts to rectify this issue is not addressed and resolved properly by updating the record to reflect the correct time this debt has passed or if it not removed I will be reaching out to an attorney as it seems you are violating consumer law in regards to credit reporting using XXXX 's removal of the account as evidence this is clearly an unlawful reporting done intentionally by the company in order to boost chances of getting money. I will continue to dispute this debt over and over again until the account accurately reports or until we go to court to have lawyers resolve it for me. Again, I request legal documentation or reference so I can know what part of the law/statute is being used to justify the inaccurate reporting on the account. I want penal codes or state statutes that directly support this is legal in its entirety.

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 2025-01-31 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I attended a webinar where I was told I would receive a free cruise and free trip if I were to sign up for this membership that I financed but the services provided through the membership are not what was explained to me in that I do not receive discounted airfare or trips. The hotel fares are not cheaper and there is no way to search for discounted airfare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I have no knowledge of this company calling to collect a debt of {$6600.00} I believe Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I contacted XXXX XXXX regarding an error on my credit report with TransUnion. After carefully reviewing my report, I discovered that TransUnion 's statements concerning XXXX XXXX were correct. They reported that I utilized {$290.00} of my credit while my actual balance was only {$2.00}. This discrepancy resulted in TransUnion removing XXXX points from my credit score. Instead of acknowledging this mistake, the representative claimed they did not have access to my credit report despite being able to report information on it. I expressed my concern, stating that they should not adjust my report if they do not have access ; otherwise, I would pursue legal action. The agent reiterated their claim of having no access and refused to rectify the error.

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 2025-01-31 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: MI

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

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 2025-01-31 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: Chime Financial Inc
State: WV

Complaint narrative:
I Called after disputing this account with Chime and they said that its correct but its not showing a correct account balance I paid my account in full but still have an remaining balance of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Dispute of Late Payment Entries Due to Non-Compliance with 15 USC 1666b** To Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report for the following months, which I have paid on time : 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 and XX/XX/XXXX. 

According to 15 USC 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that the periodic statement, including the information required under section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. I have requested proof from XXXX XXXX XXXX that the required statements and disclosures were mailed or delivered 21 days before the payment due date, but to date, I have not received any such proof. 
Since this information was not provided, I am asserting that the late payment entries were reported incorrectly and in violation of federal law. This practice is unfair, illegal, and not equitable to me as a consumer. I am requesting that you remove the late payment entries for the specified months from my credit report immediately. 
I appreciate your prompt attention to this matter and look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Dispute of Late Payment Entries Due to Non-Compliance with 15 USC 1666b** To Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report for the following months, which I have paid on time : 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 and XX/XX/XXXX. 

According to 15 USC 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that the periodic statement, including the information required under section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. I have requested proof from XXXX XXXX XXXX that the required statements and disclosures were mailed or delivered 21 days before the payment due date, but to date, I have not received any such proof. 
Since this information was not provided, I am asserting that the late payment entries were reported incorrectly and in violation of federal law. This practice is unfair, illegal, and not equitable to me as a consumer. I am requesting that you remove the late payment entries for the specified months from my credit report immediately. 
I appreciate your prompt attention to this matter and look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was banking with SunTrust over 10 years ago. I am sorry I can not find the exact dates. For a good while, my account was without funds. Several online companies were still charging me over a period of several months without notification. During this period, every time a charge was sent to the bank, I was charged an extra {$35.00} USD per declined payment. The bank claimed it was a bounced check. I noticed one problem with their claim. I was a subscriber to XXXX XXXX  XXXX multi-media online role playing game. I noticed I could not access my account when I saw that payment was declined. When I looked at those records several years ago, I noticed that SunTrust claimed to have made that payment on that month XXXX declined the monthly payment and halted my subscription. They also charged me an extra {$35.00} for the declined transaction they claimed to have paid XXXX. Several other charges I did not recognize were stacking up for several months, possibly 6 months in total. By the time I realized something was wrong, ( I was not using SunTrust at this point and I was receiving help from my family financially at this point. ) the total amount was somewhere between XXXX to XXXX USD. I wanted to fight this because I did not believe a bank could get away with that kind of practice, neglecting to inform me for several months what was happening to my account. Unfortunately ( or fortunately, however you want to look at it ) my grandfather stepped in and paid the balance in full against my strong and angry objections. I thought I could fight this injustice and win but he was a friend of the community and of the bank manager at the time. At the time, because my grandfather had already taken care of the balance, I didn't think there was anything I could do to rectify this injustice so I have put it out of my mind. After reading about the CFPB and how they investigates illegal practices, I thought maybe I could bring their attention to this problem.

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 2025-01-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax report suggested that I roll an existing account over to a " pre-approved '' No Ding card. When I clicked on the card to request approval I received 4 hard credit checks and multiple credit card applications tied to the one card they recommended. When I submitted a dispute they dropped my credit score yet again. My score was XXXX. Now it is down to XXXX. They are not reporting accounts that have been paid down when I submit payment documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
Case went to court were a default judgement was placed. Amounts were deducted from my paycheck and misapplied by the lawyer office which is resulting in it showing an outstanding balance. I have attempted multiple times for the lawyers office to fix and showed proof of payment and misapplication and no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 accounts opened XXXX XXXX  account number XXXX date XXXX XXXX, and XXXX XXXX, account number XXXX date XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 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. S 1681c-2 ock. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX I revieved an email from XXXX XXXX that we won our lawsuit against XXXXXXXX XXXX XXXXXXXX XXXX 
My debt was discharged and erased off the credit bureaus. And that my credit score XXXX was to stay the same. 
My credit score went down. 
I recently looked my credit report on XX/XX/year> and noticed that a charge on my account was supposed been taken off it's still there. Plus all these addresses and telephones numbers which I do not reside at or no longer have these phone numbers. 
Please I really need some help on getting this negative report off my credit. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I signed up for the " XXXX XXXX XXXX '' card from American Express. One of the prominent features advertised with this card was the " 0 % APR for 12 months from the date of the account opening ''. I did not expect to be charged interest after the first month. On XX/XX/year>, I was charged ~ {$94.00} in interest charges. This interest charge seems to directly contradict the 0 % fee they were marketing. 

Last XXXX digits of the card are XXXX.

Company response to consumer: Closed with explanation