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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, 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 60 days 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 XXXXXXXX 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
The company is reporting that I have a charge off balance which is incorrect. This was a secured card and the money was released to take care of the balance. I want the company to remove and delete this inaccurate information.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Against Equifax for Non-Compliance and Violation of Consumer Rights To Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for their continued violation of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to stay in compliance with the XXXX XXXX format. Despite my numerous attempts to resolve these issues, Equifax has consistently failed to address and rectify the fraudulent accounts and inaccuracies on my credit report. 

I have sent multiple disputes to Equifax regarding fraudulent accounts listed under my name, specifically : XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Family Support Despite providing all necessary documentation, including an FTC Identity Theft Report and a police report, these accounts are still being reported and have not been blocked as required by law. 

In addition to the above, there is a discrepancy regarding inquiries on my credit report. I recently received a copy of my credit report from Equifax that shows no inquiries, yet I was informed by Equifax representatives that their system indicates there are XXXX inquiries. This inconsistency is unacceptable and causes significant confusion and concern regarding the accuracy of my credit report. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year> XXXX. XXXX XXXX, dated XX/XX/year> Moreover, I am a victim of the Equifax data breach, which compromised my personal information. It is clear that my information has been fraudulently used, contributing to the issues I am currently facing. 

I have communicated with several Equifax specialists regarding these matters, yet no effective action has been taken. Equifax 's failure to address these issues and their non-compliance with consumer protection laws is unacceptable. 

I urge the CFPB to hold Equifax accountable for their actions and ensure they comply with all relevant laws and regulations. Equifax 's fraudulent actions and negligence have caused me considerable distress and potential financial harm. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues. 

SEE ATTACHED CERTIFIED LETTER TO EQUIFAX AND ATTORNEY GENERAL COMPLAINT

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 — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc.
State: IA

Complaint narrative:
I understand that after six long months, wisely ADP payroll returned the money I disputed. However, I haven't had a card for awhile. I stopped using it because I had stopped my direct deposit from going into that account them due to the issues I was having with getting infomation to them to support my dispute and I have no idea where it is at now. Nonetheless, I still would like to thank them for making this right and finally adhering to regulation E. However, I have not been able to access the app, or none of the funds they returned. I really could use to pay some bills that are behind because of the very long wait for them to respond. Please send me a card so i can call in and access my accont and use the funds you returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: CA

Complaint narrative:
I signed up for a Novo business checking account on or about XX/XX/2024 via a promotional affiliate link found by XXXX  " Novo sign up bonus '' ( XXXX result shown in the attached screenshot ). The site had the official Novo branding and had what appears to be a screenshot taken from the Novo website of the promised {$75.00} offering. 

XXXX XXXX XXXX  Clicking the link and signing up for a new business checking account on Novo I saw a notification to the affect that " the sign up bonus has been applied '' with no reference to the amount. Having only seen {$75.00} as the offer on the affiliate site, I continued with sign up. 

After sign up, Novo sent a confirmation that the bonus would be applied once I met the terms ( keeping the deposit in the account for a certain number of days ) but again did not include any mention of the amount of the bonus. 

When the bonus arrived on XX/XX/XXXX is was only for {$40.00}. 

After multiple back and forth messages with support they said that affiliate is no longer with them ( even though the link still " work '' in that Novo 's site recognizes it after starting the sign up process ) but they gave me {$40.00} as a new customer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion has allowed XXXX XXXX XXXX XXXX enter a file in my credit report. I do not know this company. They are listed as the original creditor in an attempt to be able to remain on my credit profile The debt they bought XXXX XXXX reached its past the XXXX year threshhold in XXXX  and was scheduled to come off my credit profile. I have never conducted business with XXXX XXXX XXXX XXXX. And they have not been able to provide me any paperwork from.their company.with my signature on it. I have tried to clear up this matter with TransUnion. They refuse to remove the galse information from my credit profile.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions 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 2024-07-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
The accounts in the FTC report are fraudulent. I do not have any knowledge of these 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about RESURGENT. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.

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

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a case open with the citi executive office team. The number of the case is : XXXX. 

I've also emailed their ceo with no response. 

I have a situation where I applied for the Citi XXXX XXXX, with the offer of spend {$4000.00} in the first 3 months and you receive a bonus of XXXX thank you points. 

When I applied I spoke to a representative over the phone, where I double checked with the representative I would quality for the offer. They checked and confirmed with me that I WOULD QUALIFY. I took them at their word and finished the application with them. 

I got the card eagerly, and put the spending on it quick and already spent over XXXX. I noticed I never got my reward for spending the XXXX. 

I called the executive response team, and they eventually opened a case and confirmed and pulled & listen to the call. The representative did say everything I mentioned. They apologized for it happening and told me, even tough I was right that the representative lied to me when I applied about me being qualified for the offer, they didnt have a way to put the thank you points in my account. 

I disagree with this. I feel taken advantage of and my credit has been impacted. I cant go back and not apply for this card and the only reason I applied for this for the bonus offer. 

I wouldn't of applied for this card without qualifying the bonus offer and even admitting there was a mistake from their representative with what they told me ( confirmed by pulling the phone call recording from their records ) they refuse to award me the points saying they have no way to do so. 

I would have never applied for this credit card if I didn't quality for the offer that the representatives confirmed I qualify for. It's impacted my credit, and I feel the only reason the representative told me I qualify for the card is to meet a sales goal. 

If this matter does not get resolved to what was promised by the representative I will have an attorney get involved.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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: EQUIFAX, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX. - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-07-18 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: PA

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

Company response to consumer: Closed with explanation