vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 2024-06-20 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: MD

Complaint narrative:
I recently have reviewed my credit report and noticed an account that's not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX. 
I'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action

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 2024-06-20 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2024-06-20 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

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

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

I demand the late payment reported in XX/XX/year> 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. 


MACYS/CBNA 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a Venmo Visa Card with a {$5000.00} credit limit. XX/XX/XXXX the balance was {$4200.00}. I made a payment of over {$4000.00} XX/XX/XXXX. They lowered my available credit the payment amount. Not sure how they can do that. And with out my knowledge of this I made a small purchase maybe {$200.00} and they now they have reported me over my limit. And now my credit rating went down. XX/XX/XXXX I called them thinking there is a mistake. They informed my that a large payment can take up to 14 days to go thru. The payment went thru from my bank on exactly XX/XX/XXXX. This is so maddening and confusing. I am XXXX  and I am making every effort to keep my credit score up. This is ridiculous and inexcusable.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

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

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

I demand the late payment reported in ( MONTHS REPORTING 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 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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page XXXX marked in the box with the XXXX Make sure you look on page XXXX as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : 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 2024-06-20 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: OH

Complaint narrative:
This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page XXXX marked in the box with the XXXX. Make sure you look on page XXXX as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Reference : XXXX XXXX XXXX XXXX- This is to formally file a complaint against XXXX XXXX XXXX regarding the misrepresentation, deceptive practices, and overall dissatisfaction I have experienced with my timeshare ownership. During the initial presentation, XXXX XXXX XXXX employees assured me that they were not working on commission, providing a seemingly transparent and honest overview of the timeshare opportunity. The enticing pictures and promises of flexible vacationing convinced me to sign a contract, believing that I was making a valuable investment. Key assurances were made, including the availability of the timeshare for use at any time, providing me with the flexibility to travel anywhere under my membership. Additionally, I was led to believe that, should I be unhappy with my ownership, I could easily sell it back to the company. However, my experience with XXXX XXXX XXXX has been far from the promises made during the presentation. Contrary to the proclaimed flexibility, I have encountered significant challenges in accessing the timeshare when I am available to travel. Despite numerous attempts, I have consistently been informed of unavailability, rendering the timeshare practically unusable for me. Moreover, the commitment made regarding the option to sell back the timeshare has proven false, as my attempts to do so have been met with resistance and indifference from the company. The lack of responsiveness to my complaints further exacerbates the issue, as all attempts to address my concerns have been ignored. I must express my frustration with the lack of transparency during the contractual process. Important details, such as the cancellation process and rights, were not adequately explained to me. The rushed and pressured nature of the transaction left me uninformed about the terms and conditions of the agreement. In light of these issues, I firmly believe that XXXX XXXX XXXX engaged in unlawful deceptive sales practices, including misrepresentation, omission of crucial information, coercion, and exaggerations regarding the benefits of timeshare ownership. Given the significant discrepancies between the promises made and the reality of my experience, I am formally requesting the rescission of my contract with XXXX XXXX XXXX. I deeply regret my investment in what appears to be a deceptive and misleading scheme. I anticipate a prompt and thorough investigation into this matter, as well as a resolution that reflects the misrepresentation and dissatisfaction I have endured throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Reference : XXXX XXXX XXXX XXXX- This is to formally file a complaint against XXXX XXXX XXXX regarding the misrepresentation, deceptive practices, and overall dissatisfaction I have experienced with my timeshare ownership. During the initial presentation, XXXX XXXX XXXX employees assured me that they were not working on commission, providing a seemingly transparent and honest overview of the timeshare opportunity. The enticing pictures and promises of flexible vacationing convinced me to sign a contract, believing that I was making a valuable investment. Key assurances were made, including the availability of the timeshare for use at any time, providing me with the flexibility to travel anywhere under my membership. Additionally, I was led to believe that, should I be unhappy with my ownership, I could easily sell it back to the company. However, my experience with XXXX XXXX XXXX has been far from the promises made during the presentation. Contrary to the proclaimed flexibility, I have encountered significant challenges in accessing the timeshare when I am available to travel. Despite numerous attempts, I have consistently been informed of unavailability, rendering the timeshare practically unusable for me. Moreover, the commitment made regarding the option to sell back the timeshare has proven false, as my attempts to do so have been met with resistance and indifference from the company. The lack of responsiveness to my complaints further exacerbates the issue, as all attempts to address my concerns have been ignored. I must express my frustration with the lack of transparency during the contractual process. Important details, such as the cancellation process and rights, were not adequately explained to me. The rushed and pressured nature of the transaction left me uninformed about the terms and conditions of the agreement. In light of these issues, I firmly believe that XXXX XXXX XXXX engaged in unlawful deceptive sales practices, including misrepresentation, omission of crucial information, coercion, and exaggerations regarding the benefits of timeshare ownership. Given the significant discrepancies between the promises made and the reality of my experience, I am formally requesting the rescission of my contract with XXXX XXXX XXXX. I deeply regret my investment in what appears to be a deceptive and misleading scheme. I anticipate a prompt and thorough investigation into this matter, as well as a resolution that reflects the misrepresentation and dissatisfaction I have endured throughout this process.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
I have provided all necessary information and expect the listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I was attempting to dispute a debt Source Receivables Management says I owe. They were able to provide the name of an apartment property I lived in and a debt amount that I didn't owe. I called the apartment property about the debt and was told they had nothing on file for me and this debt. I called Source Receivables Management back for more information on the company who reported this debt like a reliable phone number and they were unable to provide it. I called them a few more times to dispute this debt and every agent I spoke with eventually hung up. I'm suspecting fraud because they seem to not have any way to validate this debt or provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm sending you the documents that proves this bank falsify my entire account that they used my prepaid account as a creditor.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
To Whom It May Concern : I recently reviewed my credit report and noticed multiple unauthorized inquiries made by various companies around XXXX and XXXX of XXXX. These inquiries were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ). These unauthorized inquiries represent a significant breach of my privacy rights. 

On XX/XX/XXXX, I sent letters to each company involved, requesting proof of my signed authorization within five business days to verify the legitimacy of these inquiries. Although I requested the information in five ( 5 ) business days, I have allowed a 30-day response period, and still have not received any replies. 

Moreover, there are discrepancies in how these inquiries were reported across different credit bureaus, further demonstrating the inaccuracy and unauthorized nature of these entries. 

XXXX XXXX XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX XXXX with an address in XXXX, MN. However, my XXXX report shows the same inquiry on the same date but with a different address in XXXX, MI. Additionally, my XXXX report shows two inquiries from XXXX XXXX with different addresses, all on the same date. This inconsistency is unacceptable and warrants immediate removal from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, my XXXX report listed an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, LA. However, my XXXX report shows an inquiry from XXXX XXXXXXXX XXXX with the same address and date. The discrepancy in business names is indicative of inaccurate reporting and must be rectified promptly. 

XXXX. XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX in XXXX, TX. Conversely, my XXXX report shows an inquiry from XXXX on the same date but with a different address in XXXX XXXX, SD. This inconsistency undermines the integrity of my credit report and necessitates its removal. 

I request that the Consumer Financial Protection Bureau investigate these unauthorized and inconsistent inquiries and take the necessary action to have them removed from my credit report. This correction is crucial to ensuring the accuracy and integrity of my credit information.

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