vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: AL

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 non-monetary relief
Consumer complaint received 2024-06-21 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: AL

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 2024-06-21 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: MI

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 explanation
Consumer complaint received 2024-06-21 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to XXXX to have a purse repaired ( XX/XX/XXXX ) and the operations manager said there was a known issue with the bag and I would not be charged for it. In XXXX of XXXX I received notice that the bag was ready for pick up and I would be charged {$290.00}. I picked up the bag and it was only partially fixed - the outside rim and the inside liner was supposed to be repaired. I questioned why I was charged and why it was not fully fixed and the message I received was we'll get back to you. No one responded so I disputed it with my credit card- Chase. 

I received conflicting information and requests from several offshore care agents only to have the case dismissed after sharing text messages, emails and photos supporting my claim. I re-opened the case and received notice today XX/XX/XXXX that my claim was denied because ( 1 ) I didn't provide any new information and ( 2 ) it was beyond the dispute window.

I reopened the dispute the minute I found out the first was denied and I provided additional support including a signed testimonial. I spoke to an agent today and when I asked her to record a formal complaint she told me that she can not do that and she could not transfer me to a manager to discuss this.

I work in regulatory compliance and one pillar of an effective compliance management system is having a complaints process. The fact the Chase does not allow for customer facing agents to take complaints makes you seriously question the strength of their compliance program.

I should not be liable for a purchase where I did not receive what I was promised. There are protections in place out there that I am not benefiting from. This is also a credit card where I pay a {$600.00} annual fee for. I would have never received this type of service/support from XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 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: VA

Complaint narrative:
Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive been trying to access and close a trust account that I am a beneficiary of and have reached age of attainment. My account manager left the company, and no new account manager has been assigned for 2 months. Ive been blocked by Truist bank from accessing my funds because no one but an account y, that doesnt exist, can help 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 explanation
Consumer complaint received 2024-06-21 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: TN

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/2024 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 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
Consumer complaint received 2024-06-21 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: Accscient, LLC
State: GA

Complaint narrative:
Nationwide Recovery has acquired a medical debt that I was not aware of until I pulled my credit report, which such reporting of such debt violates HIPAA law concerning my Protected Healt Information.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: AZ

Complaint narrative:
I am writing to clarify the nature of my previous dispute submission dated XX/XX/2024. It appears there was a misunderstanding regarding the content of my dispute. 

In my letter, I did not state that I was disputing inaccurate or fraudulent items on my credit report. Rather, I was specifically addressing the issue of unauthorized information reporting under 15 USC 1681b. I highlighted that certain information was furnished and disseminated without my written consent, and therefore, in violation of the Fair Credit Reporting Act ( FCRA ). 

To clarify, my primary concerns are as follows : Unauthorized Furnishing of Information : The dissemination of my personal and credit information without my explicit written consent. 
Request for Removal : The removal of all unauthorized closed accounts that were obtained and reported without my consent. 
Request for Explanation : A detailed written explanation of how and when my personal and credit information was obtained and furnished without my consent. 
I apologize for any confusion caused by my initial correspondence, including the incorrect reference to " 15 USC 1681 '' instead of the correct " 15 USC 1681b. '' Please investigate this matter thoroughly and address the specific concerns mentioned above. Additionally, I request that you provide me with a free copy of my credit report as per my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the legally specified timeframe.

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 2024-06-21 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: OR

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the three major credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( XXXX XXXX : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, 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 2024-06-21 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: MN

Complaint narrative:
I noticed inaccuracies on my credit report. Please take a look at the following account to ensure its accuracy. 

XXXX 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 2024-06-21 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: MN

Complaint narrative:
I noticed inaccuracies on my credit report. Please take a look at the following account to ensure its accuracy. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: MN

Complaint narrative:
XXXX XXXX XXXX 
Account number XXXX Recently I looked at this following account. Please check it. I noticed some inaccuracies.

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 2024-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
When I closed on my home on XX/XX/XXXX the total amount that I went into contract with UMW and what was listed on the closing documents and I had agreed to pay for my mortgage was {$2800.00}. After the loan was secured and paid the company this agreed amount, UMW unexpectedly increased my mortgage payments to {$3000.00} with the explanation of an " estimated tax analysis '' and did not provide me a fair opportunity to discuss arrangements to keep the monthly mortgage to what had been agreed upon on the closing documents despite me advising that I applied and was approved for Homestead exemption and their projection of tax analysis is not a fair position to increase my mortgage amount. 

Secondly, I was sadly laid off from my job in XX/XX/XXXX, I am Single with only unemployment benefits of {$2000.00} a month to cover my expenses. I paid XXXX 's mortgage payment and spoke to several UMW representatives to advise of my current financial hardship situation to come up with a plan for XXXX 's payment. No financial assistance options were offered as other financial institutions have. UMW advised that once I allow the loan to become default that they can look into increasing the monthly mortgage payments to see if I can catch up. This seems unreasonable and an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
It was for tax year XXXX XXXX. XXXX did not pay our taxes. Well the third party failed to pay the taxes which caused us to be behind or possible foreclosure.

Company response to consumer: Closed with explanation